I work for a Swiss company which provides me with accident insurance, which is legally mandated in Switzerland.
Some time ago as I was bicycling home, I crashed (hitting an all-but-invisible obstacle) and sustained several injuries. Most healed quickly, but I ended up with a shoulder problem that has persisted for months.
At first the accident insurance company was cooperative, but after I began to see specialists about my persistent shoulder problems, they sent me a letter saying their doctor, who never examined me, felt the shoulder problems were not accident-related and that therefore they would no longer pay.
I wrote up a timeline of the medical care as well as a detailed dispute letter explaining that I had no pain before the accident, pain from the time of the accident, and no history of activities that could've caused the shoulder problems.
They sent this information to another doctor whom they paid (and who also didn't examine me) who said the condition was most likely degenerative and not caused by the accident. Therefore they continued to refuse to pay.
Assuming I'm telling the truth, and my shoulder injuries clearly date to the accident, what recourse against the accident insurance company do I have at this point?
And does it make a difference in terms of this resource whether or not I'm a Swiss citizen, and whether or not I live in Switzerland?