You have two insurance options when you're in an accident. I've found option 1 to be much easier than option 2.
1) Call your insurance and let them deal with the other company. You'll pay your deductible up front to get your car fixed, and your insurance will reimburse you once they settle with the other insurance company if the accident wasn't your fault. Your insurance provides the rental coverage based on your policy's terms.
2) Tell your insurance you'll deal with the other company directly. Call the other driver's insurance company and discuss the issues with them. They'll have to admit fault before you'll get rental coverage and the deductible paid by them. The body shop will bill them for the final charges once the repairs are complete. It's not uncommon that a body shop gets an original estimate from an adjuster and then the estimate gets revised when all the damage is found and repairs completed.
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2013 Cadillac V-Wagon, RIP Z
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