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Before IT I worked in insurance as a claims adjuster. I've dealt with pretty much all of the other companies out there. They are all the same. Most have adopted the same exact business practices in order to maximize profits. NONE of them really care about the customers, and the ironic thing is I found that the ones who claimed to care the most were usually the worst.

There are only 3 things that can really help you when dealing with insurance companies:

1. Read the policy/know what is covered and what options you have
2. Act in a professional manner when dealing with reps (use good negotiation techniques)
3. Document everything, and for bigger issues have a lawyer on standby

Insurance companies are counting on people not reading their policy so they can take advantage of them. Know what you can and can't do in these situations and you will be okay. There is a reason these companies make billions in profit every year, and it isn't from helping people.

Edit: I worked for one of the companies in the "C-" range of the OP.