You can sue them for "breach of contract," since an insurance policy is a contract, for violating their obligation to pay your claim when the terms of the contract say they should pay. To win the case, you would have to convince the court by a "preponderance of the evidence," or that it is more likely than not, that under the facts of the evidence, as those facts are applied to the terms of the policy, that the insurer should have paid.
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