Huh. I always go through my insurance. They go fuck up the other insurance.

The only time this has happened to me, the insurance of the rear ender sent me a check for damages of $2000 unsolicited. The repairs were like $5,000. My insurance got it fixed, the other insurance paid. My insurance said that I would probably have some issue suing in the future but if I wanted I could cash their check. And then I cashed the check. Done and done and done.