Yes, you should notify your insurance company of the claim immediately, even if it is not your fault. This is true even if you plan on hiring a lawyer to represent you. You may have benefits that you don’t know about and are entitled to through your own vehicle insurance claims like medical, towing or car rental expenses. Also, if the person who was at fault doesn’t have insurance, or had a lapse in insurance, you may have coverage for the full extent of your injuries under your own policy. It is often quicker to go through your own insurance company to get your car fixed. Yes, you will pay the deductible up front but your insurance company should get that back from the other insurance company and reimburse you.