An insurance company may try to escape responsibility entirely for paying for your accident or may attempt to reduce what they need to pay by blaming you for what happened. You may need to defend your actions in the lead-up to the accident. If the insurance company is wrong, you can challenge them. If they do not accept your position in negotiations, you can always take your case to court and have the jury decide this issue because the insurance company does not get the last word just because they are trying to save money.