shouldnt have even called them.. call Allstate and give them her policy number and let them know you're the guy she hit.. ask them whats going on, they'll instruct you of what to do since she is at fault.. your insurance should have nothing to do w/ it.. did you make the claim on yours or something like she had no insurance?
Hence the part about me kicking myself as soon as I hung up. I was still shaking from the adrenaline, called insurance first even before calling the cops for some dumbass reason.
Unfortunately it looks like I pretty much put my side through my insurance. They know she has full coverage, my claim person even talked to her on the phone at the scene and took all her insurance info. Appears that my insurance will be contacting her insurance for payment. They said that as soon as her insurance accepts liability I won't have any issues with my premiums going up (so they say), and that I'll need to pay the deductible for now, which will be refunded when Allstate pays AAA.
On the other hand, I haven't actually taken it in for repairs yet. I wonder if I could walk away from what I've done with AAA so far, and have Allstate handle it. The only problem is the open AAA claim. Going to talk with my in-office AAA guy who sold us the policy today, rather than folks over the phone.