Can I not shop for other insurance companies? I specifically chose my provider because I know there's an office I can call to talk to my agent or his secretary. The moment I have to interact with a chatbot, I take my business to someone else.

I had a fun experience with my ISP where their chat bot couldn't help me (of course it couldn't, I don't call for "did you try turning it off and on again" problems), so it escalated me to a human agent. Said human agent was very obviously copy-pasting LLM output. I could tell because (1) the responses were nearly identical to what Claude already told me when I asked it before calling and (2) every once in a while I would get an uncharacteristically brief reply, without capitalization or punctuation, in Indian English.

I haven't a had a good experience since AT&T bought my previous ISP and forced me to switch to a different subsidiary.

Just look at the difference between Amazon and Chewy support. One actively obfuscates how to talk/chat with a human; the other has someone knowledgeable pick up after one telephony prompt.