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[quote=Anonymous]I’m a 25+ year insurance defense attorney and used to work in-house for an insurance company doing auto claims. You’ve gotten some good responses, but some of them are a bit off base. Here’s my input:

In this situation, where fault has been admitted, I’d deal directly with the other driver’s insurance company. They’ll do an estimate and provide a rental if necessary. If you think you are getting a run around, you can always involve your carrier. Be aware that you may have to pay your collision deductible if you go through your own carrier and the other carrier does not accept liability (very unlikely in this case). If you go through your carrier and the other carrier won’t pay, your carrier can file an arbitration claim against the other carrier and hopefully get your deductible back. I was recently involved in a parking lot accident where I was not at fault although the other driver said I was. I went through my insurance company and paid my deductible but my carrier was able to get it back from the other company. If you are not at fault, your premiums should not go up, although that is not always the case depending on the carrier and the circumstances.

To answer a question posed, it is common for both drivers to be insured with the same carrier. In that case, two different claims adjusters are assigned and there is a wall set up between them. They have to treat it like an arm’s-length transaction. Both claims adjusters act in the best interest of their insurance. 
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