If an insurance company is not offering to pay you what you are owed you should speak to an attorney so you can fully understand your rights. Only an attorney that’s experienced in handling automobile claims can fully and fairly evaluate what the insurance company should pay you and tell you whether or not what they are offering you is fair.
There are lots of different ways in which it can protect you and there are actually at least two policies that matter. If you’re injured as a result of someone else crashing their car into you, their policy matters because you’ll look at the liability insurance. How much insurance did they buy to protect other people that they harm? That’s the first kind of insurance. The second type of insurance is what kind you bought. Did you buy PIP insurance, which pays your medical bills? Did you buy UIM insurance which pays in the event the person who hit you had no insurance, or didn’t have enough? It’s under-insured motorist, or uninsured motorist, and personal injury protection. Really, it’s sort of a long answer to a short question, but it matters how you protect yourself as well as how other protect you.
The fact is an insurance company doesn’t make the final decision about whether you have a good claim or a bad claim. Their opinion is just that, their opinion. You should speak to a qualified, experienced lawyer who can tell you whether you have a claim and who would be willing to pursue it for you against the insurance company regardless of what they say.