Never had to fight with my insurance company.
And in the auto repair business, they don't seem to offer much in the way of a hard time. I'm usually upset when I see them paying for things that aren't related to the recent accident. They say it makes customers happy, so they allow a little leeway.
They paid my parents homeowners claim without much of a hassle, even went too far we thought, but the policy did say they would pay for new carpet from the affected area to the next hinged door. Parents house has several pocket doors. We thought they were going above and beyond.
And my personal agent, they stay late after work to meet with me outside of my normal work hours. And call me a half hour before I show up to ask what I like on my pizza.
Maybe it's like cheese, and you're just doing it wrong.
MV