insurers are their own worst enemies, there's a chance they will load your insurance as well as hers, you know.
Their reasoning being that if you're involved in an accident, even if it's not your fault, you are more likely to be involved in one that is your fault.
I know, it's mad, but it's fact.
if both parties can get it sorted without insurance involvement at all, no-one's any the wiser and no excuse for the insurance company to be twats.