I was in my first accident this weekend ( with my 14mo daughter in their car) and so overwhelmed on how to proceed. I was crossing over a 4 lane highway after my green light when I was hit by someone going through the red light in the 4th/last lane as I crossed over. They are at fault, admitted to running the light and 2 independent witnesses agreed. My car will most likely be totaled (4Runner did not win against a Hummer). Do I file the claim with my insurance company (Geico) or file it directly with theirs (All State)? Any pros / cons? I'm in NJ so I know medical has to go through my insurance (which I'm in the process of doing), but no clue about the actual claim on the car.
Thanks for reading and your thoughts!
Thanks for reading and your thoughts!