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I would get a lawyer to deal with the other person's insurance. If I was dealing with my own insurance, I probably wouldn't, unless it was clear they weren't providing the coverage I had been paying for.
In my experience, my own insurance company (USAA) has been very easy to deal with, while the other drivers' insurance will try to weasel out of compensation. Examples: a woman rear-ended my new Porsche. I dealt with her insurance. Big mistake. They wouldn't reimburse me for the time I missed from work or the diminished value of the car. And they provided the chepaest possible rental while my car was being repaired. I should have hired an attorney. Second example- my wife wrecked my Lexus, hitting a street sign front on. This time I used my insurance. Everything was covered, including the aftermarket invisible shield and new rims and tires, to the tune of nearly 9k. (We didn't bother with a rental.) Amazingly my rates didn't even increase.
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