A lyft driver hit my car and she was at fault. So when i contacted her geico insurance company they told me to have my car insurance pay for everything and they will see what their commercial insurance covers.
It will be simpler for you to use your collision coverage to get the car fixed quickly. Let Geico know all of the facts and the relevant insurance policies. They will then subrogate to get the money back. If they get it back, then your rates shouldn't be affected.
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My response is my casual opinion and should not be taken or relied upon as legal advice. No communication here is intended to establish an attorney-client relationship.
You can file a claim against the at fault parties insurance for your damage, but they may not pay, or pay enough to repair your car. If they don't fully compensate you, you have almost no recourse that would make sense financially to force them to fully compensate you. By using your own insurance and allowing them to subrogate later you are simply avoiding the headache of dealing with the at fault parties insurance. Mr. Corchnoy is correct, that your rates should not be affected much for a not at fault accident where your insurance company recovers what they paid.
Any response provide is meant as a general view on the subject and is no way intended to be specific legal advice to any individual. Since I am limited to the information you provide, I cannot guarantee the accuracy of the answer. If you wish specific advice, you should hire and consult with an attorney of your choosing. This communication does not form an attorney client relationship.
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