It sounds like you've done about all that you can for now. I'd probably skip the apology and just thank them for their kind attention in the matter and to advise should they have any questions. Statements from medical professionals advising the necessity of the assessment would probably help. How will the appeal be handled? Will it be arbitrated before an arbitration board, with your picking an arbitration board participant, the insurer another and both deciding a 3rd person for the board? Check your policy for provisions on this matter. I'd probably CC a copy of the appeal request to your State Department of Insurance.

I am sure there is a place to post this -- someone point me there and I'll crosspost, promise.
http://boards.fool.com/insurance-life-car-homeetc-100156.asp...


Bob