I don't know about Canada, but in the US, regardless of who is at fault, the insurance company will:
1) Try their hardest to deny all claims; failing that, claim your obviously totalled car is not totalled, and try to chisel you on the repair estimate; failing that, set the value of your car ridiculously low, so their "totalled" payout is small.
2) Fight tooth and nail to cut corners on your repairs, particularly by trying to steer you to the cheapest, shoddiest garages and body work places in existence, claiming that crappy, non-OEM quality parts and labor is "equivalent."
3) Try to steer you to their hand-picked quacks for any medical evaluation.
4) Drop your butt, or jack your rates so high you can't afford them anymore.
1) through 3) can be fought with persistence; 4) is inevitable, so grab your ankles.
Regardless of whether it'* AllState or "Fast Eddy'*," the company will take these tactics...the only difference is that "Fast Eddy" will claim bankruptcy before you get a dime, while AllState will say "so sue me."
(Can you tell I'm not a big fan of insurance companies?
Who'* your insurer?