Auto Insurance Premium, Insurance Value

Advise you of all benefits, coverage, time limits, or other provisions of your insurance policy.
Acknowledge a claim, start an investigation, provide forms and instructions, and provide reasonable assistance immediately (in no more than 15 days) after receiving notice of a claim. (Notice of claim is any written or oral communication to the insurance company that reasonably apprises the insurer that you wish to make a claim.)

Respond immediately to communications received from you (in no more than 15 days).
Accept or deny the claim immediately (in no more than 40 days) after receiving proof of claim. (Proof of claim is documentation in your possession which provides any evidence of the claim and supports the magnitude or the amount of the loss, such as estimates of repair or police report indicating theft of your vehicle, etc.)
Pay reasonable towing expenses, unless the insurer has provided you with the name of a specific towing company prior to your using a towing facility.
Offer a fair settlement. If you suffered a total loss, settlement must include taxes, license and transfer fees. The settlement must reflect the value of comparable deductions from the settlement for salvage and must be fair, measurable and discernable.
Pay the  insurer claim no later than 30 days from the date settlement was reached on an accepted claim.
Advise you whether or not they will sue the other party to recoup payments you have made to repair your vehicle (a.k.a. subrogation). If the insurance company does pursue subrogation, they must include your deductible unless you've already recovered your deductible.