I fought other drivers insurance company, Geico, for nearly a year. They acted like they never heard if DV, and are good at it. In my opinion they were very dishonnest and tried every excuse you can imagine.
Finally i took the other driver to court and Geico defended him. Judge awarded me 4k DV on 3K in damage. Had to hire DV expery to testify for 1k. Court wouldn't accept just a written report.
I came away with the solid resolve that I would never consider buying Geico insurance, even if it's free!