Someone should start a SaaS that just automates this process.

Thinking about it, the only moderately difficult part would be compiling a list of small-claims courts and understanding the different paperwork each one requires.

After that, the whole thing could just be a single page with a few form fields (email, insurance company info, upload purchase receipt), a credit card form for the SaaS to collect its fee, and an API integration that uses one of those physical-mail APIs to send out the paperwork.