Lawyers, courts, regulators have a more powerful word against insurance company decisions on claims. Consumer organizations could also apply plenty of pressure.

Lawyers, courts, regulators have a more powerful word against insurance company decisions on claims. Consumer organizations could also apply plenty of pressure. Granted none of these are worthy solutions for individual small claims. And the US don't exactly strive for functional all of the above. So - yes in theory the insurance companies don't have the last word - and sure, in practice that theory feels like it never helps. It should help in a serious accident.