I got an car accident that is a kind of minor collision and I had no fault(I have sufficient evidences). I had my insurance company and a machanic fix my car. I am a stranger that have lived here just for 9 month. Since most things here are differnt to my country, I don't know how to get my deductible money. My insurance company say to me 'wait, be patient! or take my own steps' So what can I do for getting reimbursed? Do I have to wait? Can I sue to the opposite driver or his insurance company? Which is better? Wait or claim directly? If claiming directly is better, whom is the best? The opposite driver or his insurance? My insurance company tells "There is no another way without wait or contact the other company directly. Please explain detailedly.