Paris Hilton, Insurance, or spelling? WOT?
That is a bit of worry in itself sunshine. Insurance does not pay for acts of negligence. Read the disclosure statements carefully.
Just because you are insured, doesn't mean they will pay you. I have had personal dealings with major Insurance entities who strung the matter out over 13 years and then settled on the top steps of the court.
I've had Department of Finance payments made to me on CASA's behalf, (because they refused to admit liability), 8 years after the initial complaint.
All these wankers work on the principle that the longer they string you out, the more chance you may get hit by a bus.
Call "Ghostbusters" before you call your insurance company.