With the few claims i have had it seems there were issues that needed to be clean up with the adjustor before we settle and as i remember i won in all those issues.
It is just the way it is.
About four with NoDak over the last 25 years and in those cases, it was settled right away with no issues. You will just need to keep at it and maybe call the Insurance dept up in Bismarck. They try to just wear you done and hope you quit.
My last claim was against the other parties as they were at fault. His insurance said no way. Small claim court we went and in about one month they sent me a check for $1,800.
Maybe try. db