Good luck getting them to give you an answer at all to any of those questions. You’re going to need to get a lawyer and spend a lot of money and time getting any response at all from anyone who actually works for the company, since the customer service doesn’t have access to any of that information and they wouldn’t be allowed to reveal it even of they did. It’s an insurance system, not a social service system where you have some kind of rights.

Insurance companies are designed to find any reason possible not to pay a claim, whether it’s homeowner’s insurance, liability insurance, or any other type of insurance. And they have plenty of lawyers on staff so they’re happy to make the lawsuit take long enough to cost you more than the claim is worth to you and it barely costs them anything.