So Progressive denied a claim for a client where the insured had...

So Progressive denied a claim for a client where the insured had experienced shoulder surgery that created a need to ask a friend to drive her somewhere. Not a normal occurrence, not a relative or member of the household. Denied due to not being a listed driver. I've asked adjuster to provide details for decision and language in policy excluding. Crickets so far. These scenarios where a companies first reaction is to see how they can