Ok so recently while I was parked up a school bus scraped the front bumper of my car. They accepted that the fault is 100% theirs. However my concern is as I am 23 and quite young in terms of insurance. Even though it a no fault claim, the fact that they still ask if I've been in accident, I have a feeling that it may increase my premiums. Is there any way around it? Also, I've asked them to settle outside of insurance and they declined.
I've been told about using a claims company who will contact the other parties insurance directly and not involve mine. Are they safe? And can anyone recommend one from experience.