Hi last year a lady crashed into my car. She was insured admitted fault got her contact details etc. Anyways took our car to the smash repairers and said we should go through our insurance and they will chase her up from
Her details to pay etc and it's easier to get the repairs done through ours and doesn't effect our insurance.
Fast forward to car insurance renewal time this is listed as a claim and our insurance has gone up and other companies want it listed as a claim when doing quotes etc?
Is this right? So because this lady hit our car we have to pay higher premiums because the smash repairer gave us wrong information?