The good news is that you can fight the big insurers and their legal counsel. There are attorneys who specialize in insurance and bad faith who will work for the insured on a "contingency fee basis." This fee arrangement allows you to pursue your case while the attorneys receive a percentage of any ultimate recovery or settlement.
Many of these law firms will review your possible case, and even commence a lawsuit, without you having to pay any money at all. If you believe that your claim has been unfairly denied, or that the insurance company has acted unreasonably in handling the claim, do not simply let it go. Pursue your claim, assert your rights. You can fight and win. Talk to a lawyer who specializes in bad faith insurance litigation.