The difference between the two examples that you give in your posting is that the credit reporting agencies are required to follow the federal Fair Credit Reporting Act which requires, among other things, the comments to which you refer.
There is no equivalent federal statute directly regulating specific insurance practices. The individual states have state statutes regarding unfair cliam settlement practices and also consumer protection laws, but these are more general and govern response times and fairness in settling claims for the most part,
My advice: write out your complaint in a cool, clear rational manner and send it certified both to the claim manager of the insurance office where the decision was made and also to the Insurance Department in Georgia.
Also, understand when 2 cars are both backing, the insurance adjusters were not there to referee so they usually enact a 50-50 split as they did in your case. The same thing happened to me. I was equally unhappy. I was not in good hands. I wrote some correspondence and moved on.
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This answer is provided for informational purposes only. Actual legal advice can only be provided in an office consultation by an attorney licensed in your jurisdiction, with experience in the area of law in which your concern lies.