Is it a good idea to use your insurance carrier for subrogaion?
Subrogation occurs when an insurance company goes after the party responsible for an accident or damages. You would use your insurance company for subrogation. This is something that the company will handle on their own. In most cases you do not have to do anything.
Usually not, unless you need your carrier's assistance. For instance, the other driver might not make a claim with his carrier, or you were injured and have first-party medical coverage that you'd need to use. You don't say what the facts-of-loss are, but if there's any question about liability, it would be a good idea to report the accident to your carrier. It's also a good idea if the other driver was injured.