Wow, seems complicated. I had a vehicle that was totaled by another driver who ran a red light a few years ago. I contacted my insurance (Geico) and gave them the info from the other driver (USAA). Geico came out and we went over the damage and values. Geico cut me a check for the agreed value and then went after the other insurance company themselves. I didn't have to do a thing but deposit the check.
