Q: Am I better off to have the other parties' insurance carrier pay for the claim?

​A: Yes - If the other party is at fault and liability is accepted, it makes sense to use the other party's insurance company.  However, if there are any discrepancies or disputes that will cause delays, you should rethink your decision.  How long do you want to wait before you repair your vehicle?  If you have the option to speed up the repair process by using your collision carrier then do it.  That is why you pay insurance premiums.  In time, your insurance company will settle the liability issues with the other company.  If that happens your insurance company will be reimbursed by the other insurance company for their expenses.  In most cases your insurance company will reimburse you for the deductible and rental expenses. Talk to your insurance representative.