You will need to file a claim. Be careful when dealing with insurance companies though, they can be very shifty. If you were injured and you are seeking a fair amount of compensation for your injuries also consider ongoing medical expenses as weel. I saw a recent article outlining some of these shady practices so beware. You may also want to talk with an attorney prior...

Article: http://www.lawleaf.com/lawsuit-funding/insurance-company-a-lawsuit-funding.html

Don't worry about the rest of the content on that page just look down at the middle of the page and click on that CNN link. They did a special on it, its very interesting... I know because I was kind of going through the same thing...