Unfortunately I have had the experience on more than one occasion (five to be exact). Generally to be on the safe side I report the accident to both insurance companies (I like to cover my bases). My preference is not to get my company involved because then it can prolong the time it takes to get things fixed, but this way they will have a record of it in case they need to become involved.

There is not much the other family can do to prevent you from getting your car fixed. They can not tell the insurance company not to pay out. They may not have wanted to report it because now their rates will go up and they may have thought you might have decided not to.

Their insurance should provide you with a rental car while your's is being repaired. If your car was totally, generally you will get the car for a full week and to allow you time to buy a new one. (In one of the accidents my car was totalled.)

But, I am glad that you and the baby are safe. Unfortunately you maybe stiff for a few days (but is your excuse to get out of cooking Thanksgiving dinner )