A car accident with only tin damage is of course an easier accident compared to accidents with bodily injuries. In the ideal case, both drivers are properly insured and a claim can be submitted directly to the relevant insurance company.
The most complex is when one of the parties is not insured at all or has insufficient coverage. In this case, the uninsured driver is exposed to a direct claim by the victim. A claim against an insurance company is usually slower and more cumbersome, but there is an advantage in that the insurance company has the resources to pay high compensation.