Insurance forcing me to file at fault claim?
A few months ago, I rear ended someone, causing a small dent in the car ahead of me. I went to the collision centre the next day and filed a police report. We ended up settling out of pocket and I paid $150 to the guy I hit for the repair.
Today, my insurance calls telling me that I have to file an at fault claim. They confirmed that no one filed a claim against me, but because I signed off on the collision report saying it was ok for the police to send the report to my insurance, I need to file an at fault claim. But my understanding is, since I paid out of pocket, why do I have to file anything at all? Now they're going to bump up my policy for no reason? I don't understand.