FAQ: PERSONAL INJURY AND GENERAL CIVIL LITIGATION
|An insurance company has a contractual obligation only to their insured. They have an agreement to pay, to the extent of the policy, the obligations of their insured. If they do not think their insured is at fault, then they will not pay until there is a settlement or a court, after trial, says they are at fault.
|As above, your company has a contractual obligation to you. Normally your policy will describe their obligations, if any, to repair your car, provide a loaner car, provide a lawyer if you are sued, negotiate a settlement and pay any obligation you have to the other party.