Thanks all.
Mercedes Rover - I was a longtime GEICO client (I have no prior accidents on my record). I switched to MET because they were a little more affordable. I did get a police accident report, the woman did admit fault, so I don't think there will be any question in that regard. I have contacted MET and so far they seem ok. My body shop told me that GEICO is "very good to deal with", and MET got a "they're ok". (Progressive got a "Terrible") I hope I don't regret switching.