Or they throw you under the bus. To be liable for all damages. Because they find reason to do so with exclusions they have on policy.

I believe any box or anything that monitors car will be used by insurance company to simply not pay up.

There are very few exclusions for auto insurance. Unless you're using your car for a business without telling them or committing fraud, you're almost guaranteed to be covered. The whole point of car insurance is to insure your negligence.

This makes sense for high-stakes cases that will definitely go to court. Otherwise it is cheaper for both companies to settle out of court and say both drivers are at fault and will be each paying their deductibles, and companies split the repair bill.