If you are at fault, the other party will make a claim
against your insurance company. If the other party is at fault, you can make a
claim against his/her insurance company.
If you are not at fault and wish to claim against the other
party, you should file a police report within 24 hours. Then, send your car for
repairs and file a claim against the other insurance company. You will have to
pay for the cost of repair in advance and make a third party property damage
claim after.