Originally posted by Contour1998:
... Should I contact the insurance company of his without letting my insurance know about this so this way they dont raise the price? Could the insurance of his send me a check and repair anywhere I want? How exactly does it work? 
You must contact your insurance company to let them know. As it is not your fault, your rates will not be increased if you don't file the claim with your insurance. In addition, when you contact the other party's insurance, they will want your insurance information and they will contact your company to verify. And your insurance agent will also give you more advice in regards to whether you should contact the police now (as you did not do it earlier).
Sometimes, they (other insurance party) will write you a check on the spot after reviewing the damage and then you take it to a body repair shop that needs to get approval from them before they start work. In addition, anything over their initial estimate needs to be approved by the insurance ahead of time. And you are also entitled to a rental car (but not for the additional comprehensive insurance that rental cars always try to offer you) for the time that your car is in the body shop. Once again, they have to approve the rental company. They usually give you a number to call to get the rental.
"Always do the cheap and easy ones first."
1996 V6 ATX 96K miles
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