Ok this is fine and all but it’s missing the time commitment required to get the insurance company to provide that documentation. And after you’ve secured this information, you still have to make your case to a claims adjuster in such a way that they know you’re serious about taking action against the insurance company. I’ve tried similar strategies with my health insurance. It’s hours of effort. I didn’t particularly like having to wait on the phone and write emails and fill out forms while feeding my child through an NG tube.