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smirk_lives t1_j6kpdkp wrote

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.

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SereneFrost72 OP t1_j6kr9j8 wrote

Oh, that sounds like a potential path here. I'll ask my insurance company about that!

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