2023 Crosstrek / 1968 Beetle
See, that's the thing. I was told the opposite of that, but this was my initial instinct as well. I have Geico for insurance, and actually called them to "unofficially" report it and ask questions of what to do, and the agent I spoke to told me to contact the at-fault drivers insurance first so it goes against her coverage. They said this would be my best bet to get what's owed to me as far as diminished value since I paid 24k for my trek, and a replacement is now 29k. This would also keep me from having to pay my own deductible and raising my own rates which is a hard pill to swallow when I'm totally innocent in this situation. Again, this is what was told to me from the agent I spoke to.