I have 1 and potentially another big claim on my insurance record, but they are both not at-fault. Last December I was rear-ended at a light and my car was totaled. Geico got State Farm (the other driver’s insurance) to reimburse me for my deductible. Got a new car recently and last week someone ran a light and hit me. Driver was ticketed and provided me with their insurance information. I was told t take photos and send them to them and they’ll get an estimate from the photos and cut me a check for my repairs. Should I go through my insurance for this? I’m concerned about a low-ball estimate.