Trying to avoid paying claim

I was involved in a pretty significant and traumatic accident. I thought the one thing I didn't have to worry about was that I had car insurance. King Price initially approved work on the car until the invoice came through and now they are looking for every excuse in the book not to pay the claim, including blaming my tyres and sounding extremely accusatory on the phone. I have never missed a premium, even when I was unemployed I made sure my insurance was paid. Loyalty is one way on this side. It looks like this one might require an attorney, and as the consultant on the phone said, "if you want to, you can" about getting a lawyer