State Farm to state farm auto claim question. Pls help. Not at fault.

Hi all.

I got into a car accident last night. I’m not at fault, I have dash cam footage proving it. Both myself and the driver who hit me have state farm. Apparently he has already filed a claim on his own policy. I found out when I called state farms claim dept.

I’m a bit confused on what to do next. A couple of things:

– I don’t have coverage for a rental car.

– I’m unsure on if I should file a claim on my own policy and pay my deductible when I’m not at fault. My fear is that my premiums will go up. They haven’t proved liability yet is what the claims lady was saying.

– the claims lady made it seem like if I don’t file a claim on my own policy that there’s a possibility I won’t be reimbursed for medical fees, tow truck and storage lot fees for my car. But I’m unsure if I’m misunderstanding this.

– I’m 95% sure they’ll total my car.

– I have GAP insurance but not through State Farm

– I still owe $17k on this car. 2023 Mazda CX5.

My hand is fucked up so apologies for the errors and not more in depth information. I’ve gone to urgent care and now just got an x ray for my hand.

I’m unsure on what to do. Claims lady said I had 24 hours to figure out what I want to do and whether I file a claim on my own o policy. What should I do? Thanks and sorry this is my first accident.