<prompt> Human: First off, sorry if this is the wrong sub for this.Basically like the title says I got hit while stopped at an intersection. The guy lets call him bob is a delivery driver and is afraid hell lose his job so he doesnt want to go through insurgence. I know what a pain in the ass it is to handle this type of stuff without insurance so I dont I dont want to skip it. I brought the car in for an estimate and the guy doing the estimate said that bobs insurance company is a tiny company and is a huge pain in the ass to deal with because they push back on everything really had and refuse to pay for stuff sometimes like rentals. He offered a piece of advice if I want everything to probably go smoother, to skip bobs insurance and just file under my own, pay my deductible and give them the info for them to deal with. He said this shouldnt affect my insurance because I was not at fault. My question for you all is, is this fair advice? is this course of action something I should consider?Assistant: Dont skip out going through insurance.Human: thats my gut feeling too, and the general consensus ive read  <response>: Him having shitty insurance is not your problem, its your advantage. Utilize it, youre paying the premium too. And its a rear end? You owe him absolutely nothing as someone else said 