Most property damage claims are easy to file and typically a fixed amount. Therefore, these types of claims are best handled yourself. If the other insurance company denies the claim, you can request repairs through your own insurance company and let your insurance company seek retribution from the other company.
Indiana law requires drivers to carry a minimum of $25,000 per person, $50,000 per accident in personal injury coverage, and a minimum of $10,000 in property damage coverage. Just as there are separate claim allowances, these claims are also handled separately and paid out separately by the insurance company. A majority of the settlement will come out of the personal injury coverage, however, any property damage claims are paid out of the required minimum $10,000 in property damage coverage. It is best to handle property damage claims on your own. Attorney fees would absorb most of the settlement awarded in a property damage claim.