In theory, if you’re hurt in an auto accident, insurance should cover all your expenses. That’s why we pay premiums, after all. In practice, it’s rarely that simple. Insurance companies make their money by reducing or denying claims, and they’ll look for any excuse they can to pay you less than you need.
Even if you’re dealing with your own insurance company after an accident, they may not be on your side. And if you’re trying to collect from an insurance carrier for another driver, good luck. They often only care more about their bottom line and protecting their client, not helping you.