> lawyered up correct choice. insurance will run you in circles because it is free and you will only seethe at them.  until you file a lawsuit and then they are willing to negotiate, because you shown that are serious and wont back down.  calling, writing to or trying to visit corporations is generally waste of time, designed to discourage you from pursuing your rights.  instead hit them with legal action. it will take time and generate some costs but in absolute majority cases you will come on top. t. advocate based on where you live your mileage may vary but it works that way here.
Poland