I got involved in a car accident last september. I denied liability and the other party denied liability. I was determined to fight for the liability, as I was confident I could prove the other party liability if it went to court or I could get a forensic accident examiner involved. Unfortunately 1st Central didnt seem to care. 1st Central gave up fairly quickly and admitted 50/50 liability. I then offered to bring in and pay for a forensic accident examiner out of my own funds but I needed some information from the third party insurers such as the written statement of the driver and various photos. 1st central didnt bother to get me this information from the third party insurers and I was forced to drop the matter. What a useless insurance company, Im doing all the work and taking the risk to pay from own funds to resolve the liability issue, but instead of helping me they were very unhelpful. I would never even dream of using them again even if they were the cheapest. They are too quick to admit liability and dont want to even consider fighting your corner even if you want to do the legwork yourself and absorb the costs.