I would still refuse and force them to send the money through snail mail.
Insurance companies are notorious for making it very hard for people to collect money from policies. They are well known for making things deliberately hard so people will give up.
I'd love to see you "force" a massive insurance company to do anything without a lawyer. Real life is not the same as talking big on the internet.
The last time insurance company tried to BS their way out of the insurance payout, I actually did get the lawyer involved and I successfully got them to admit fault and pay up.
Standing up for myself and doing something IRL feels quite good. You do you.