Yes, if you believe that the insurer is not honoring their contractual obligation (an insurance policy is a contract), you can sue them for "breach of contract" for the money which they should have paid. To prevail in court, you would have to convince the court by a "preponderance of the evidence" (that it is "more likely than not") that under the terms of the policy (since like any contract, an insurance policy is enforced in accordance with its plain terms) and facts of the situation, that they should have paid. Bear in mind that you cannot recover any legal fees, if you sue: you will have to pay these yourself.
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