Claiming on a motorist's insurance after accident

You don't have to but, in my experience, its easier. If the claim isn't hostile (i.e. the driver is objecting and doesn't want to give out information) you'll end up with a shiny new bike that much quicker. Your typical driver doesn't know how to handle a claim for damage and there is a possibility that they'll fuck up and knacker the claim. Doesn't seem worth the risk if you don't have to.

Sorry, which is easier? Claiming on the house insurance?