We're ok. Taking the s/o to urgent care right now since she's feeling a tad of back pain, just in case. Called cops, got police report, and opposing driver was cited. Already called insurance company (USAA), but they told me I could either call the opposing driver's insurance (car registered/insured under someone else, with Traveller's insurance) to file the claim or I could file with USAA. I have a relatively low deductible ($300), but if I go through the other person's insurance I shouldn't have any out of pocket expenses, correct?
I assume I need to get Traveller's to pay diminished value as well? I'd rather they total it so we don't need to worry, as car is still financed. This is the first time that I've been in an accident that was more than a ding or minor fender bender. A bit depressed about the e39, but it definitely protected us. We were in the right lane, going speed limit (45mph), and he pretty much just came out of nowhere...
