If your vehicle is damaged and no one in your vehicle is hurt, you may be able to handle the property damage claim yourself. If your vehicle is damaged, and the accident is entirely the other driver's fault, he is supposed to pay for your damages. Hopefully, he has auto insurance, or it will probably be very tough for you to collect from him. Whether or not the other driver has insurance, you should report the accident to your auto insurer. If you are like most people, your auto insurance actually has a number of separate insurance coverages that may be helpful to you now.
Many people buy more than the basic coverage.
Ask your own insurer to process your property damage claim under your own policy. You should do this even if the other driver's insurer says it will pay for your vehicle. This way, you can compare what each insurer offers, and pick the deal best for you. Don't worry-by law, your insurer cannot raise your rates if the accident was not your fault. Also, your insurer will contact the other driver or his insurer to be reimbursed for what it pays you, and your insurer must try to collect your deductible from them for you.