<prompt> Human: I was driving in traffic in a tight small town main road when a woman flew her door open and took my rightside mirror clean off. She was completely unapologetic and seemed to think I was at fault, thats another story. I know Im not at fault but now my bmw has no mirror, fuses blew. And my electronic gear selector wont work now. I was able to drive it home uesyerday but today I cant get it out of park. I know this isnt the place to ask for automotive advice but Im wondering where to move foward now with insurance. This will most definetly be a costly repair. The accident report says I must report to the dmv new york and I dont want to talk to my insurance USAA if I dont have to because the accident wasnt my fault at all and I dont want my rates to go up. Cops were there so everything is on paper somewhere. I will answer any questions if im leaving out any details. Thanks for the help.UPDATE: I know a lot of you told,me to call usaa and let them take care of it but I learned, by calling usaa that using them to go after her insurance will put an accident into my portfolio that will be reviewed for my license adjustment. The rep could not say for sure that the rates would not go up. I called her insurance geico and they had already gotten her claim and accepted fault for the accident. I am not awaiting an appointment where they cut me a 2party check. I plan on taking it to my auto body shop for an estimate before they send an agent to pay me out in order to make sure I get everything I need. or more! thanks for the help guys  <response>: I dont want to talk to my insurance USAAThis is literally why you have insurance. 