In my experience its not worth paying, when I have been involved in accidents the supplied service was less than minimal.
Depends what it covers, if its just "uninsured losses" then there is no point in paying it, you can get your own solicitor at no cost to you who will probably do a much better job.
In a time of universal deceit - telling the truth is a revolutionary act. George Orwell
When the debate is lost, slander becomes the tool of the loser. Socrates