You will need to pay for these charges upfront:
Insurance excess amount ($1,500 to $3,000). More details HERE. Payment to repair our vehicle, maximum $3,000.
It will takes around 3 to 12 months for the accident investigation. If the result is NOT your fault, you will get back all of the above amounts.
You will NOT have to pay for insurance excess amount if you choose to settle the damages directly with 3rd party through Private Settlement (recommended).