Thank you for your question. I look forward to working with you to provide you the information you are seeking for educational purposes only.
You need to sue the insurance company for breach of contract
, since it was their duty to pay the bill or resolve the matter in a timely manner. If their attorney is not pursuing this in a timely manner as you describe, your company will need to hire your own attorney and file suit against your insurer as the issue here is between you and your insurer because they were liable to resolve the matter with your towing bill under your policy
You could pursue the insurer for bad faith in refusing to pay the claims. Under RI Gen. Law § 9-1-33:
"Insurer's bad faith refusal to pay a claim made under any insurance policy. – (a) Notwithstanding any law to the contrary, an insured under any insurance policy as set out in the general laws or otherwise may bring an action against the insurer issuing the policy when it is alleged the insurer wrongfully and in bad faith refused to pay or settle a claim made pursuant to the provisions of the policy, or otherwise wrongfully and in bad faith refused to timely perform its obligations under the contract
of insurance. In any action brought pursuant to this section, an insured may also make claim for compensatory damages, punitive damages
, and reasonable attorney fees. In all cases in which there has been no trial in the superior court on or before May 20, 1981, the question of whether or not an insurer has acted in bad faith in refusing to settle a claim shall be a question to be determined by the trier of fact.
So you have grounds to pursue the insurer for ALL of your losses, plus punitive damages and attorney's fees.