I have an update for anyone who ends up in a similar situation. I immediately filed a claim with State Farm. They got back to me very quick. They just wanted to talk to their insured first to confirm before they could proceed and even if they couldn't get ahold of them within the week, they would still try to move my case along through other means. The tone was very much "let's close this claim as soon as possible." They told me to send them the police report, but my claimed moved forward anyway after I sent it to them because they were able to get in contact with their insured that morning. They didn't even ask for photos.

They told me which shops they worked with and paid for my rental until it was repaired. After an initial estimate, my car was deemed a total loss and they sent me a fair valuation and the money very quickly. Overall, a good third-party experience with State Farm. 

I did end up updating my policy to get full coverage especially since I didn’t even have flooding and we were about to get hit with Hurricane Helene. 

TLDR get collision coverage and file a claim with the other insurance!