A cement lorry hit the back of my car in April. All sorted out as I have fully comp insurance. Yesterday I had a letter from my insurer, LV, asking me to let them involve a solicitor to reclaim my uninsured losses and their outlay on my claim. I thought this was the whole point of insurance for them to sort out the details and repair my car for the annual premium I pay. I have already had some firm telling me how they can get money for me and they were sent packing as per your advice, but why would my insurer do this?