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My personal opinion and how I handle these things by knutesteen
Notify your auto insurer when another at fault vehicle hits you, so in the unlikely event they make a claim against you, you have satisfied the reporting terms of your policy. Then contact and proceed against the other vehicle's insurer.
On the building claim, why don't you know who insures the at-fault driver? Once you learn that, again, notify your commercial property insurer to satisfy your reporting duties and proceed against the adverse driver's insurer.
The only issue that could arise in either case is if the adverse vehicle is uninsured-in which case you would need to make a first party claim with your insurer versus a third party claim against the adverse vehicles' insurers. Buena suerte.