Had a case one time where an insurance company was going to drop me for a wreck in a winter storm that I avoided about 15 cars and saw a dump truck behind me looking like it wouldn't stop. I worked my way thru all the cars, missing all of them, only to get sucked into an off camber shoulder and bounced off the guard rail. Basically I save the insurance company thousands of dollars and they still wanted to drop me. I showed up at the hearing and they did not and the mediator sided with me(of course). I then dropped them and never did business with them again in the 20+ years since. Insurance companies sometimes are their own worst enemy.
So, showing up may have it's rewards.