I'll take the PC Actuary and the IS guy over a computer nerd attorney that specializes in intangibles.
We seem to be in agreement that he needs to document his reasons for disputing AIG's decision, as well as provide proof regarding his light. This is the same thing I did when I was contacted by a claimant. Ask them to put it in writing. I also tried to explain exactly what AIG should be considering in their decision, and what the cyclist should provide to defend his position. I hardly think that qualifies as legal advice.