Tricia,
I think the terminology you're looking for is "bad faith insurance" lawsuit. If I had access to westlaw I would do some online research. Does your fiance know any law students? They have free access to westlaw. I've been meaning to go to the law library to check into this. I think there is a possible class action lawsuit here.
for example, in a quick google search here's a website that lists a number of examples that may consitute "bad faith"
http://www.hugesettlements.com/artic...urance_Law.htm
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Injured 9/01
Annular tears L4/5 & L5/S1
denied adr by insurance for 2 level charite as well as hybrid fusion at L5/S1 with Charite at L4/5.
New ins paid for 2 level lumbar prodisc surgery on 4/7/08 (at age 39) with Dr. Westerlund, at Core Orthop
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