Automobile insurance companies are so fucking scummy and idiotic. These insurance companies make billions and billions of dollars annually because it’s required by law, and the moment shit hits the fan for you, they don’t want to do the right thing.
After working with both, you don’t know half of it. Try having a insurance company pay out $5,000,000 in damages to the families, pay for the tow and storage for 3 out of 4 cars involved and completely stiff you on the $25,000 tab on the tow and clean up of the semi that caused it all.
Next time you guys wonder why wrecks involving semis cost so much, that’s why. Figure 1 in 4 stiffs you, up your price by 1/3rd. It covers the cost of that 4th one.