It's a tale as old as time: Jane Doe's car collides with John DoRight's truck because she wasn't paying attention. John's truck is severely damaged and he's also injured. He wants to file a claim with Jane's insurance company, but she's worried about what this will do to her rates and her coverage. She already has a few accidents on her record and this one could cause her insurer to drop her. Hoping to avoid this possibility, she tries to negotiate payment for damages without involving the insurance company.
If you were injured in a car accident, you may have more immediate concerns, such as medical bills and lost wages. Some of those costs may be covered by your own insurance, but justice also requires the negligent driver to be held accountable.