If you get in a car accident, it is important that you remain calm and take the necessary steps to protect yourself and your property. You should document the scene of the accident, obtain contact information of any witnesses, and contact the police to file a report. You should also contact your insurance company to file a claim and get the claims process started.

​​Insurance companies evaluate claims based on the policy coverage, the terms of the policy, and the facts of the particular incident. They look at the cost of the damages and the value of the claim, as well as any other relevant information. They may also review any available evidence, including photos, medical records, and police reports. The insurance company will then make a determination as to whether the claim is covered under the policy and the amount of payment. 

Once the insurance company has evaluated a claim and determined that it is covered under the policy, they will determine the amount of payment and issue a check to the claimant. In some cases, the insurance company may require additional information or documents before issuing a check. The claimant will then be responsible for submitting the payment to the appropriate party. 

If your insurance company denies your claim, you can appeal the decision or file a complaint with your state's insurance department. You may also have the right to file a lawsuit against the insurance company if you feel that the decision was wrong. In some cases, the insurance company may be willing to negotiate a settlement with you. 

If you have to file a lawsuit against your insurance company, it is important that you understand the legal process and potential outcomes. You should consult with an experienced lawyer who can help you understand your rights and options. Depending on the outcome of the lawsuit, you may be entitled to compensation for your damages.