Tragically, it’s not uncommon for insurance companies to refuse to pay claims, either through a lack of communication (you can’t get them on the phone or e-mail) or other strategies. And make no mistake: they are strategies. Insurance companies go into business to earn a profit. If they pay out claims, that cuts into their profits.
Lawyers can successfully negotiate with insurance companies because we know their strategies. If all else fails, we can threaten to take them to court. Insurance companies don’t want to go to court, because courts may show more sympathy to injury victims than the insurance companies do.