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Post-crash insurance question

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Mrs BBB was rear-ended on the way home from school this afternoon. Have phoned the insurers and as expected they have said write-off (04 Picasso so no surprises there). Insurers have said we have two options with regard to the assessor.

We can either go with Copart who will collect, store and value the car or because we have fully comp we could go through the insurers.

Having googled it looks as if the only difference is that Copart will reclaim their costs from the at fault driver whereas the insurers will pay those costs regardless of who is at fault.

Does that sound about right? Is there anything I've missed or not understood?

What would people recommend?

Cheers
BBB

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