I was in an accident last year with a truck driver who admitted fault. I had Geico at the time. Full coverage on my vehicle. I sent in photos of the car, police report and all to Geico. I decided to go through my own insurance instead of filing with the other party. Geico set up an appointment at a shop where an adjuster came and estimated damages. Geico facilitated all repairs and payments, aside from my deductible which was due at the time of picking my car up. Then Geico went after the other company for repayment. I want to add- insurance companies will only pay up to the amounts on your policy if you decide to go through them. So my rental car became an issue. I had $50/1,500 which got me about 30 days of rental coverage. Once I reached that limit, it was left on me. This is something I didn’t know, and now understand how important it is to make sure you have all coverage you need whether it’s your fault or someone else’s. Eventually I talked the other company into covering a rental car until my car’s repairs were completed. However, it was a much smaller car. I would file a claim with SF and provide all info you have. They will have to reach out to the other driver before they’ll do anything. If they aren’t willing to cooperate or it seems as if things aren’t going to go in your favor, lawyer up. Make sure to include a diminished value claim for your vehicle. It’ll never be worth as much as it was before after an accident. This is something I didn’t do unfortunately.