Here's my experience with State Farm (which is my own insurance company). Hi I got rear ended today. State Farm's response - ok, drive out to Alaska - make sure you're 100% alone (we want you to feel like you're the only person left on earth and you're hopelessly alone), now once you get there, call us. We'll answer and tell you, you're all alone, do it yourself.
The end.
6 months later after fighting with someone else's insurance company all by yourself, you'll get "reimbursed".