Auto Insurance Premium Payments: What are they worth?

Did you know in most cases Auto Insurance Companies decided whether your claim will be paid? This can take from a week to 10 years when receiving a settlement, if at all.  Why such a contrast?  Do Insurance Companies have too much power at their discretion?  On the hand, what are your options as a policyholder?  Today's conversation with ESTRA is about the worth of your Auto Insurance Premium Payments.