Insurance companies are not on your side. Their business model is simply to take in as much as they can in premiums and pay out as little as possible in claims. That’s their business model. There’s a reason why insurance companies can advertise on TV all day long, why they have a stadiums named after them, because they’re taking in as much as they can in premiums and paying you for your injuries as little as possible.
So make sure to hire an attorney to fight for you.