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am i allowed to take a vehicle insurance business to small claims court? The insurance business refused my claim, (I would go ahead and take at fault driver to small claims nevertheless , I have no address to serve them or send a demand letter). The opposite driver was at fault however their insurance company claims there is a difference in your claims so they need to take the word of their insured vs. my word. I do believe they acted in bad faith and did not accomplish a proper investigation would this even be a valid claim in small claims court? I want to carry the the culprit drivers insurance provider (not my own) to small claims for any damages to my car.