Actually, you’re insurance company will pay for your car damage and his insurance company will pay for his car damage, and if the insurance companies believe it is worth fighting over they will go to an inter-insurance arbitration. Don’t fuss with contacting his fly by night insurance company. Your company owes you first party obligations to pay your claim ASAP regardless of fault.
Your.
That's where the rub is, and having been victimized by that very issue twenty years ago, that's why I made the comment I made.