I wouldn’t disagree. But in my experience, you are relying on the insurance company to move things forward - at their pace and with a focus on recovering their pay out, if possible. they are going to take weeks or months and they are not 100% aligned at ou because they are really only focused on minimizing the claim payment. IMO, they’re zero chance the insurance company is gonna lean on the dealership too hard, much less file suit against them if it comes to that.
I would add that I think things tend to move a little quicker and differently when you have your own lawyer in the middle of things. Your call if you think it is worth it.