When your insurance company is notified of a claim they start processing the claim immediately in order to limit the damage. The cost of a claim is often closely tied to the time required to adjust the claim. The adjuster will contact you very soon to get your side of the story. There are some standard rules that they use to determine who the responsible party is and if they cannot agree on this matter with the insurance company of the other party then they will take the case to arbitration to determine fault. During this entire procedure they can and will operate without consulting you. The only type of insurance where the company is required to get the insured’s permission for anything is medical malpractice and that is certainly not the case here. The company will always be trying to get the claim closed as quickly as possible.