The answer is -- both, possibly.
Your insurance company, first of all, is there to ensure that your property is secured, if need be, and transported to the local body shop. Often times, a reputable insurer will go ahead and set up a rental vehicle for you and inform the shop to commence body work on your car. They'll do the little things to repair/replace your damaged property.
If you have medical payments coverage under your policy, then they'll pay up to the coverage limits for your co-pays and prescriptions to treat for the bodily injuries you sustained.
So, when can your insurer be a foe? The most likely scenario would be where the at-fault driver is uninsured or under-insured. If you have uninsured/under-insured motorist coverage, called UM/UIM coverages, on your policy (which, if you don't, you need to immediately click here to read my post, and call your agent to add this to your policy NOW), then your insurer will step into the shoes of the at-fault driver at some point, and act as if they are insuring him and not you. That's preposterous for most to imagine, the fact that their insurer is acting against their best interest, but that is indeed the case.
In that situation, you may need a lawyer. You may need someone to look after your best interest, not the best interest of the insurance company. There are a number of traps you need to avoid. If you find yourself in a similar situation, we want to be your trusted attorney.
Let us help you navigate these complex issues. Call us today!