In good faith I purchased Disability Ins. on my car loan. Why are they making me jump over hoops to get it?

Insurance companies love to collect premiums but hate to pay out. Your Doctor is the key player here. If he says you cannot work, then you cannot work and the Insurance company must keep paying whether they like it or not. Don't get nasty with them, just refer them to your Doctor and if you feel they are haring you, turn them in to your states insurance commissioner and/or the office of consumer protection