Insurance adjuster/policy question (trailer damage)

Here is my take on this. If true and the tire mfg wants you to go through your insurance and then they will pay the insurance company's out of pocket and the deductible to you. I am assuming that is their way to keep costs in check. They know the insurance company will only pay what the damages are worth as that is their profession. Maybe that is their way to mitigate overpaying for damages and not have to keep adjusters on staff. But I am just assuming and you know what that stands for.