No insurance company works for you, think of them as lawyers!
Last summer my husband, daughter, son and son's friend were hit by a car that ran a stop sign on a state highway. The guy had $30,000.00 coverage. That was suppose to cover medical bills for all 4 (3 were taken by ambulance, my son by helicopter), surgerys, physical therapy,hospital stays, etc. Also cover the car that was totaled, lost wages (hubby ended up losing his job because he wasn't able to work for 6 months). Anyway, we had to hire a lawyer to make an underinsured motorist claim on our own policy. I was furious that we had to hire an attorney to protect ourselves from our own insurance company, they were trying to cheat and nickle and dime us to death. When all was said and done they raised our rates! The day after the accident when I called to report the accident my agent said she saw the coverage in the newspaper and was waiting for me to call but they wouldn't get involved since we were not at fault. Here I was an emotional mess, worried that I could lose my family and she is telling my "Not my problem, you're on your own"