Not necessarily true. I was driving my evil car to the grocery store, and pulling into an empty spot. Lady next to me opened the door into my front bumper. Screwed her door up pretty good, small crease in my bumper trim. I called my agent, and her company. She had already called her company and mine to make a claim against me. I let it sit for a couple of days, and finally got a call from her company, advising me that they had come to the conclusion that the incident was her fault (this was apparently the second time she had done the same thing...sit in car messing with makeup or something and then opening the door into a car pulling in) and that I should take the car in for an estimate, that they would be paying for the repairs and a rental, and that they had advised her to call my company and withdraw her claim.

In the end, I called them back and thanked them, but did not proceed with the claim. I wasn't concerned with the slight damage, I just wanted the correct establishment of fault.

While I despise tha fact that I'm required to carry insurance, not all insurance companies will try to screw you. If you don't have the attitude that you are "going up against them" to start with, you have a decent chance of being treated fairly.