^ i feel you. It sucks especially since you weren't at fault in the accident. Your insurance might be able to provide coverage for you and then they can subrogate with the at fault parties insurance. It would probably benefit you to call your own insurance and let them know whats going on. Most the time it can save you time and money. Your insurance is not just for when you are at fault......it's for not at fault accidents as well. If you don't want to call them because you don't want them to know about the accident........no worries.... they will know either way because of the reports they pull from other companies.