The party that is deemed responsible for the accident is in charge of the repairs. If you are determined to be at fault, your insurance provider will have to cover the costs of the damage. If another party is responsible, you can ask your insurance company to pay for the damages if you have collision coverage. Your rates will not increase if you refer to your provider since it may be necessary if the at fault operator does not have insurance.
If you use the other party’s insurance provider to cover the costs of the claim, you still have to handle the deductible at the repair shop. However, your expenses will eventually be returned to you when the insurance company pays.