I agree with adriver above... you pay your insurance company to take care of you, make the claim through them and let their lawyers fight with the other drivers lawyers. That way you get your damages up front. There's nobody more effective than an insurance company for dragging all the funds due from another insurance company. I got rear ended a year ago while going to a show in the 70 Dart in my avatar. I even got my deductible back when the other guy's company paid out. If you have no fault it shouldn't effect your rates at all.
