For future reference .... when someone damages your property they are ( normally) liable for the damage. So, your claim is against the person who damaged your property. Assuming you know who did it, you make a claim against them. The other party can then decide how they wish to settle with you .... they can refuse to pay, settle in cash, or, go through their insurance company if insured. If the other party (or their insurer) declines to settle with you then go to a court and let a district judge settle the matter. If the other party decides to go through HIS insurance company then you will need to negotiate with them. (Note ... you may be required to inform YOUR insurance company that you are in communication with the other party and their insurance company, just in case they make a claim against you!) Your insurance company may wish to take over YOUR claim, or choose to let you get on with it. Insurance companies sometimes like to propose "knock for knock" ie 50:50 or some other ratio of responsibility and payout. This is especially so if the same insurance company represents BOTH parties ..... they don't like to sue themselves. If you don't like the deal proposed by your or their insurance company .... then go to court! Remember, if you are absolutely sure that you are in the right .... you don't need to make a claim against YOUR insurance company .... the courts will get all of your money back. Simples.
