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[quote=Anonymous][quote=Anonymous]OP here. The other driver finally called the insurance and they accepted liability. I am scheduled to get estimate this upcoming week with my dealer and they have arranged for car rental as well. I am in Virginia BTW.

Thank you everyone for your replies. Like I said I’ve never been in this situation and didn’t think to call 911 because it wasn’t an emergency. Lesson learned - always call police. I had gotten conflicting advice regarding who to contact first. I did first contact my insurance to let them know. I was then told by someone to not call them and just go straight to the other guy’s insurance. When I told my insurance rep about this she said I could and should and If they don’t accept claim to call them back and they can reopen claim.  I thought that by going through my insurance they would front the costs of repair, charge me deductible, and then go after the guy. If they didn’t recoup costs then I wouldn’t get deductible back and it would be a ding on my record. [/quote]

Glad it’s working out. Calling 911 isn’t going to do much for you in a mi or accident where no one is hurt and cars can be driven away. Other driver probably won’t wait. And you can end up waiting hours because there are just not enough resources to deal with fender benders.

Disagree with those who say avoid dealing with the other drivers carrier. If you go through yours you have to pay your deductible.

And apologizing is not an admission. It might be evidence to support fault.

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