As it appears there is no EDIT option on my post, I offer some clarification.

I agree wholeheartedly about the motives and structure and operation of for profit companies and that includes insurance companies. Left to their own account, their moral compass sit in the dumpster and regulations define boundaries and actions on behalf of their missing moral and ethical compass.

To clarify, I had two primary messages. 1) Be as nice as you can to the human on the other end of the call. Work hard communicating and connecting on some personal level; it only helps the human on that end to remember you are a human too.

2) They do this all day long and they know the standard procedures, escalation paths, and know very well the unmentioned options alternatives to move things along. A click on their screen can send you back to a variety of loops or might move you one step further to resolution.