Adult daughter was sideswiped, resulting in moderate property damage to her car; no injuries; no police. Probably about $3-4k on a car worth about $5k. Both parties are insured (liability & collision) and the other guy stopped, was cooperative, and admitted fault. He contacted his insurance and they accepted responsibility. (This seemed to happen really quickly, before they even took a statement from daughter or examined either vehicle.) Her insurance also contacted her immediately, before she called them. But they, too, say the other guy accepted responsibility.
Question both insurers are asking is "how does she want to proceed?" Thru her collision or his liability? According to her insurer, since other guy is at fault, she has no deductible. I'd probably be inclined to leave her collision out of it and just proceed against the other guy's liability, thinking that I might have more flexibility in choosing the repair shop and parts (OEM vs. aftermarket). I'm sure her collision coverage specifies like kind and quality parts, which would seem to include 10 year-old used crash parts (since it's a 10 year old car).
Then there's the issue of potential total loss, since the repair costs are approaching the Blue Book value of the car. I'm not sure what happens in that case.
Suggestions on how to proceed?