Do car insurance claims go to court?

Rarely. The vast majority of car insurance claims are settled directly between the insurers involved, without anyone going near a court. Court usually only comes into play when liability is genuinely disputed (both sides blame each other and the insurers can’t agree) or when there’s a personal injury claim that can’t be settled. Even then, most are resolved before a hearing. As the policyholder, your insurer handles the process on your behalf. If you’re worried, the thing that keeps a claim out of dispute is strong, consistent evidence from the start — photos, witnesses, dashcam — so the facts aren’t up for argument.