Can I trust the insurance company?
he short answer is NO! Remember, the insurance company is trying to protect the person that caused your injuries, not you. They will try to offer you pennies when they owe you dollars. It will start with your property damage. They will argue about using cheaper parts to repair or that you repair is taking too long and they will not cover your rental. That will then lead to arguments about you should not be hurt. That you have a pre-existing medical condition or that your doctor charges too much. So, NEVER EVER trust an insurance company.