Note I said "usually"; in my case with Allstate, Allstate was being stupid; I told them there was no need for lawyers (remember I said I don't believe in lawsuits), just pay for the bike and my medical bills which was limited since the dislocation was only partial. My wife was involved in a minor not at fault accident with no injury and 20th Century (now 21st Century) insurance called her to get the details and then sent $3,000 for injuries (plus they repaired our car to the tune of $500) even though there was no injuries and no lawyers. Depends on the insurance companies policy and the claim rep as to how the situation will be handled.