If I were to send anyone in to speak with the insurance giants, it would be you. You have become well versed in their legal jargin. Thus I think you are best suited to inquire. They cannot give you the runaround like they could me, throwing me off with clue's that don't matter.
I say you grab your sword and shield and see what you can get out of them. You've asked a simple and straight-forward question, who pays?
Explain it in terms as if you are concerned about you're own experience. They will provide you with more information than anyone on this board. However, Matt, may also have an answer, and you should bark up that tree as well.
I want you to find your answer, I just don't think the board can do anything to produce it.