Last Tuesday I was side swiped while I was stopped in traffic at a red light. Guy that hit me drove up onto the curbed median to get a in a left turn light and his passenger rear oversized tires did the damage seen below. I called the police and I have all the at fault drivers vehicle and insurance information. Obviously I need to file an insurance claim to get my car fixed. I spoke with my insurance regarding options and timeline. Sounds like I can either file a claim directly with the "at fault" drivers insurance OR file with my insurance and let them go after the "at fault" driver/insurance company for compensation and my expenses (deductible). I've never had to deal with this before so I figured I would ask if there are any opinions how I should press forward or maybe someone has lessons learned from an unfortunate similar situation. If I file with my insurance I know the level of service I will receive and will probably get fixed quickly but will be out my deductible while the claims are settled and I will have representation. Or just file the claim directly to the at fault driver and insurance?