Collision ClaimsPosted by homeowner_texas_65

Should I file on my own insurance or the other drivers?

Got hit by someone who ran a red light. Police report clearly shows the other driver at fault. I have full coverage on my car.

Do I file through my insurance and let them subrogate? Or go through the other drivers insurance directly? Whats the pros and cons of each? I dont want my rates to go up for an accident that wasnt my fault.

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Should I file on my own insurance or the other drivers? | ClaimCave