If you think this is likely your fault, we recommend you to do a Private Settlement directly with the 3rd party to save money on insurance excess ($1,500 to $3,000). This is much faster and cheaper because you will not have to go through the normal insurance claim procedure, and there is no waiting time for police investigation.
Settle the damages directly with the 3rd party. Fill this Private Settlement Form with them. Send us a copy of the above signed form.