Use what yo paid for
There are rare exceptions, but mostly, call your own insurance and collect under the collision part of the policy. If there is a "bailment:" (separate discussion) your company will pay you less the deductible, then subrogate against the other comp[any. If they agree, you'll get the deductible back a little later. You're paying for these (legals defense) services. get what you're paying for. If it is somebody else's fault, your rates won't change.
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