Insurance on vehicles has changed quite significantly over the years, 50 years ago if you were fully comprehensive, your insurance would pay to fight for you, including repair/replacement, injuries and any personal liability. Now (bike accident in 2018), your insurance will go knock for knock, take your excess, and not fight the other parties insurance, you need to get your own (or pay extra on the insurance) to recover "uninsured loss", including your excess and and personal injury. I am amazed at what little your insurance company does for you, and if you happen to not loose your "no claims" (other party's fault), then the price of the policy goes up because you have had a no blame accident.