Is it accurate to assume that my car insurance company represents its best interests and not necessarily mine?
2 attorney answers
All companies including insurance companies work for their best interest, but that's not the real question. Insurance provides two things: indemnification and cost of defense. The is not "attorney fee provision" in a case like you describe, so the only person paying your lawyer will be you. Your insurance company doesn't care what your car costs to fix, because they will sue the other driver in your name (and that driver's insurance company, if any). Bottom line, file a claim with your insurance company.
The above is general legal and business analysis. It is not "legal advice" but analysis, and different lawyers may analyse this matter differently, especially if there are additional facts...
You’re not going to when presented with the cost of doing so. File a claim with your carrier and let them handle it.
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