The truth about being insured with certain insurance companies is that when you have an accident with someone having the same insurance company the insurer will handle the case internally. What does that mean? Your case will never see a court, lawyers are not involved....just the insurance company "trying" to determine how the insurance company can make the most money out of the accident. No interest in finding out what really happened.

The chance that this happens is higher the larger the auto insurer is....so be prepared to maybe get your claim paid however your premiums will be increased, even it was not your fault. So over a period of three years you paid for the accident damage twice...

The statements above are just general statements, executing the right of free speech, and not targeting any particular insurer ;-)