After an accident occurs, you have the option of filing a claim with your own insurance company or the other driver’s insurance provider for the physical damage to your vehicle. The best choice is to file the claim with your own insurance company first. You may be required to pay your deductible, but if the other driver is found to be at fault your insurance company will probably issue a refund for this amount.
Why file with your own insurance company first? You already have a relationship with the company, and it will be easier for you to get the claim resolved through your own insurer than to deal with the other driver’s company. Keep in mind that the other driver’s insurer’s obligation to provide a good level of customer service is to its own client.
Your insurance company will evaluate your claim and determine whether it should be paying you or the other driver’s insurance company should be responsible for this cost. You may receive a payout from your insurance company, and it will contact the other driver’s insurer to receive compensation from it.
If your insurance company is willing to do the work to recover damages from the other driver’s insurer, this is probably the best way to go. Your insurance company has the contacts and resources necessary to get the matter resolved more quickly than if you tried to do so on your own.