I apologize in advance if I chose the wrong flair, it was a bit hard to tell. I'm in the US, South Carolina to be specific, and the accident happened a little over a week ago. I was driving in the fast lane on the highway, when a few cars up ahead started alternating between slowing down and speeding up. Out of nowhere, they completely stopped. The car in front of me crashed into the one in front of it, but I was just barely able to stop in time to not rear-end them. The pickup behind me was not so lucky, and I ended up experiencing some mild-moderate whiplash. I also found out that it was a company vehicle that hit me. I wasn't found to be at fault.

I had never been in any kind of accident like this, so since I finally had the time today, I figured I would file a claim with my insurance company. Then, I happened to receive a letter in the mail from the other party's (work I would assume?) insurance company, and they had already set up a claim. So I called my own insurance agent's office, and they told me I shouldn't have filed a claim, since I wouldn't want to have to use my own coverage for it. I emailed the claim professional from the other party's insurance, asking if we could set up a time tomorrow to speak over the phone, as he had already left for the day.

So, my question is, how do I prepare for that? Is there anything I should say or not say? To be completely honest, even though I'm a 26 year old mother of two, I still have a difficult time asserting myself when needed. I want to do what I can to ensure I can get the repairs I need. Half of my bumper is literally being held onto my car with bungee cords at the moment, and it's my only means of transportation to work. I know that the repair shop I'd spoken to about getting an estimate for my damages said that I'd need to ask them to send something over, but I can't remember what the term was.