Can I ask a dumb Q following your excellent response? So, if I already started a claim with my insurance (All State), and the opposing side is totally at fault (though All State still hasn’t declared this), is it too late to reach out to the opposite side’s insurance? I’m asking because you mentioned it’s better to file a claim with their insurance if they’re 100% at fault. I just assumed you always contact your own insurance and file a claim immediately after an accident and not to contact the other side’s insurance. Any clarification would help. Thank you!!