Reply to Whose insurance to call

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[quote=Anonymous]I was involved in a hit and run last night, where the other drive ran into me at a stop light and fled. I didn't catch their plate, but luckily there was a witness who called the police and with their help the police were able to get in touch with the driver and get their insurance. I filed a police report right after it happened and the officer said that because of where it happened and that another person had called it in, fault of the other driver was pretty cut and dry. I am a bit confused on next steps with insurance. The damage is minor and honestly if it had been my fault at all I would probably not deal with it, but because I was not at fault I would like to get it fixed. I called my insurance to submit a claim and they said that if I want to avoid paying anything I should go directly to the other person's insurance, because if I go with them I will likely at least pay my deductible.

Does that sound right? I would imagine that if I pay my deductible it should get refunded assuming the other person is found to be of fault, but my insurance did not make it sound like that. Everything I am reading online seems to imply that you should never contact the other person's insurance or voluntarily talk to them. Is that true? What would you do in this situation.[/quote]

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