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[quote=Anonymous][quote=Anonymous]You're getting a lot of misinformation.

First, you should always start with your own insurance company in an accident that the other party has admitted fault.  Their insurance company owes you nothing.  They have a vested interest in protecting themselves and their client, e.g. the guy who hit you.  They and their agents will do their best to minimize whatever costs they have to pay out.  If it is possible to interpret an assessment of damage, they will not pay for anything that they can get away with not paying.  Geico is the worst.  I have seen then try to actually claim that damage caused by the accident was prior damage and try to get the repairs for that damage eliminated from what they paid out.

If the other party is at fault and has admitted fault, your insurance company will not be able to charge you anything.  They will pay for damage repair and your rental (if your insurance policy covers that), up front, excepting the deductible.  But, if the other party is at fault and is proved to be at fault (especially where they admit to the fault), then by subrogation they will take over the management of your damage repairs and once they have a payout from the other insurance company will reimburse your deductible amount.  Also, your insurance company will pay for all damages and repairs to your car and will then bill the other company.  They will not argue about damage with you, they will not try to cheat you out of repairs, and they will not try to pressure you into signing agreements that certain things be excluded from repairs, all things that someone else's insurance may try to do.  And, by law, if the other party admits fault and their insurance pays, your company cannot adjust your premium rates for an accident where you were not at fault.  They can only do it if there is a determination of no-fault or you are at fault.

In 30 years of driving, I have gone both ways when dealing with insurance.  Twice I tried going through someone else's insurance and both times it was a major hassle, the other insurance company tried to cheat me out of repairs and tried to minimize their costs.  Twice I went through my own insurance and everything was much easier, they took care of the details and I just took my car where they sent me, worked with the body shop to get repairs and drove away with my sanity intact.  One time I had to pay the deductible and it was returned to me a few weeks later.  The other time, they didn't even make me pay the deductible and they handled it with the other insurance.[/quote]

I forgot to add.  Yes, the latter two times, my insurance company took down my statement and then instructed me to call the other company to give them a statement.  Once I called the other insurance company and gave them a statement, then my insurance company took over all communication with me.  I didn't have to deal with the other insurance company any longer and my company took care of everything.  I got a call back when the other insurance company admitted liability (essentially they called their client who confirmed he was at fault).  They also helped coordinate the repairs for me so that I had to do minimal work.  They coordinated and called me each step of the way, so I didn't have to call and coordinate with anyone else.  So nice to have someone else manage it for me. 
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