When was that? Right now if you are part of an accident, you only have rights via your insurance company and their lawyers. I suppose there's small claims court or hiring your own lawyer, but that ain't the same.
Where I live the insurance company does not act until the case is clear and it’s known who is guilty and of what. Sometimes it’s just police documentation, sometimes an investigation and court case. But insurance company does not represent you in the court so what exactly are you talking about?