After a long day fishing I parked my car on the street last night. An hour later I hear a knock on the door and it's a guy who lives on the street, though we haven't actually spoken before. "Are you the owner of the accord with NH plates," he asked? I said yes, and he told me that he literally just witnessed his neighbor's car with four teens back into my car, get out, look at it, then get back in their car and drive off.
Of course the front fender driver side is completely crushed, along with some other damage. I called the police and they sent an officer over. The officer took a statement from the witness and said he'd be in touch within a day or two.
So I called my insurance company and set up a claim. They're gonna contact the police department for a copy of the police report, that way they may contact the witness and offenders.
So my question is more of a procedural one. I have a job starting in two weeks and I need my car ready by then. I went to a reputable body shop who quoted me about $1400 for the repair. So clearly the other guy's insurance is gonna have to foot the bill for this one. Will my insurance company give me the money right away (after they've received the police report, of course) and pursue the offender's insurance company for the funds? Or will they pursue the other guy's insurance for the funds first, then allow me to get the repair?
My concern is that it'll take a long time if it's the latter.