Not an expert on the issue, but kung ako nasa sitwasyon ni TS, since sabi naman nya may insurance sya, ipa-file ko na lang din sa insurance ko yung damage claim nung other party. Yun ay kung meron syang Property Damage cover. Wala naman participation fee yun, so walang dagdag gastos. Ang mangyayari nyan, maoobliga pa yung other party na dumaan sa process, since hihingian sila ng insurance company ng certificate of no claim, saka other pertinent papers. Kasuhan ka man nila, sasaluhin ka ng insurance company mo TS.