Help!! Insurance not paying to fix!!!

I have Allstate. I have had a couple claims with no problems, but on newer cars. I had an inccident awhile ago which in volved me being sued for BS. w/ a insurance oh I'm hurt person. They were great. Sorry to hear about all the problems. To be realaistic, I would just pay for instead of the aggravation you are getting. I know that what the insurance co. want. But is it realy worth the few $$?