text:  If they're not answering, you have to sue them. Now, I would keep on harassing them because at some point, then you get to hire a lawyer. And those lawyers aren't cheap. Not even a little bit. Now, the policy probably says if there's a dispute, you have to arbitrate and all manner of things. Now, let me tell you what a defense is. If I'm the insurance company, I'm going to go, didn't you? Or I'm just going to ask you this. Didn't you look at your statement every month?