Insurance is not rocket science. We explain everything you need to know about the deciding vote (Stichentscheid) in this glossary article.
If your insurer refuses to give you a cover note for your case, you can get a decision based on a deciding vote (Stichentscheid).
For this, your lawyer submits a statement to your insurer in which he answers the following questions:
The lawyer's decision is binding for both parties.
The insurance company pays for the costs of the procedure.