How did insurance get to your jeep anyway? I've been in a few accidents (not at fault) driving a lifted xj. Each time the police show up, do a report, tell me i'm not at fault, and I can drive home. That is usually the end of it.
One time though I received a letter from the lawyer of other party in an accident telling me to give them money or be sued even when the police report stated I was 100% not at fault. I call up my insurance company (progressive) and the fellow on the other end told me not to worry about anything and if I hear from them again to tell them to go pound sand. And they were right, I never heard from them again.