Insurance Company Won’t Pay
Remember that the other person’s insurance company is not on your side. They’re not interested in being your neighbor or your friend.
Their goal is to get out of the claim by paying as little to you as possible so that they can maximize profits for their company and shareholders.
Think about it: who usually owns the tallest building in most cities? They didn’t buy those buildings and pay for all those tv commercials by being generous in claims payouts