For a "service" industry the insurance companies leave a lot to be desired. We have to jump through hoops to get the product we require.
You appear to be existing under a similar misapprehension to many others when it comes to insurance of any form, and that is you think insurance companies are there to help you. So to clarify the situation..........
Insurance companies are most certainly NOT there to be your friend! They are like Banks, their SOLE purpose is make a profit for their shareholders and the only place they can get those profits from is YOU the customer.