It's against the law for an insurance company to lie, or use coercion to get you to do anything you don't want to do. But they're under no obligation to inform you of your rights. They only have to answer questions you ask truthfully, but good luck with that.
The problem is they assume they can lie, and coerce you all they want because you won't have any proof. The appraiser told me to record all conversations I had with them for this reason. At the beginning of every conversation with the claims department they inform you that "this call my be recorded". When they tell you that they may be recording the call, that gives you carte blanch to record them, and you don't have to tell them about it, because they already told you the call will be recorded. They have a machine that can tell if you're recording them, but they can't tell if you put them on speaker phone and record them remotely with a hand held.
