Be aware that your insurance company is not going to ‘represent’ you in a claim against the other. If you go through the at fault party, you will wait for whatever they are doing. If you go through your own carrier, yours can then get their money back from the at fault party, but they are representing themselves in that matter.
Some policies have an endorsement that if your carrier finds the other party at fault, they will waive your deductible because they’re confident they’ll get it back; ask if you have this.
smirk_lives t1_j6kpdkp wrote
Reply to comment by SereneFrost72 in Other person's car insurance may not cover my car repair, even though they backed into my parked car? by SereneFrost72
Be aware that your insurance company is not going to ‘represent’ you in a claim against the other. If you go through the at fault party, you will wait for whatever they are doing. If you go through your own carrier, yours can then get their money back from the at fault party, but they are representing themselves in that matter.
Some policies have an endorsement that if your carrier finds the other party at fault, they will waive your deductible because they’re confident they’ll get it back; ask if you have this.