My neighbour had his car hit parked outside on the road, went to insurance, who passed him to an AMC who then did as OP said, are you ok (was fine as he was stood in the house doing the washing up at the time, probably got a cut on his finger from the knife he was drying when he watched his car get hit outside maybe) repeatedly. He has a Range Rover Sport so the AMC company pushed him to get something like for like as a courtesy car delivered to his house, up turns a Range Rover Vogue which he had for two weeks whilst his was sorted. His car was fixed etc. then about 5 months later had the insurance company of the person who hit his car challenging the cost of the Vogue and threatening to get him to pay back the cost of rental for two weeks (which was four figures) saying it was an unnecessary expense, even though he never actually agreed to that specific car, just agreed to get a courtesy car whilst his was in the bodyshop. Got really messy he even had to demand the recorded messages from his AMC of him clearly not demanding a Vogue (and in fact its the AMC pushing him to take the courtesy car). Got it sorted in the end, but was an unusual thing to have to deal with.