It's an unfortunately common scenario. The insurance company for the at-fault driver offers you a few hundred dollars in settlement of your personal injury claim.
They tell you that it is difficult to understand how you were hurt because the vehicles involved did not sustain massive property damage that costs thousands of dollars to repair -or some similar rationale.
You are insulted at the insinuation that you are exaggerating your injury. You're angry because the offer is not in the ballpark of fair. You are fed up, and you want to go to court. But do you actually sue the insurance company of the at fault driver in a car or automobile accident?
You actually sue the at fault driver.
If they have insurance, that carrier must provide them with a defense, and pay any judgment up to the policy limit. Baltimore personal injury lawyers will tell you that the word "insurance" cannot even be mentioned in court. If it is, the case might get tossed out.