To answer your first question, it is not too late to file a claim. The statute of limitations for property damage claims in California
is two years. You can find more information regarding the claims process in our how to file a claim article here
. Moreover, even if you don't file a claim, most insurance companies require you report any accident to them. It's ultimately your call on whether or not to file a claim. If you do decide to go out of pocket, I would recommend finding a shop that you like and trust and insist it is on your schedule. As the other driver is the reason you are without a vehicle, it is not up to them to decide. If you're unhappy with their behavior, file a claim. It is the responsibility of your insurance company to be on your side in these types of situations. Best of luck.