Hi, Someone bumped onto my car at a roundabout during heavy snow days. I found that there is a light crack on the rear bumper. I informed my insurers about this and given the other drivers car registration. When I received the renewal letter for the insurance, to my shock I found my insurance increased 5 fold. When I checked with the insurer they told me there is a claim on my insurance and it is not settled. When I told, it was not my fault and I raised the claim, I was told unless it is settled it is your fault. I have asked them (Asda insurance) to close the claim, I have to call two different subsidiaries many many times to close the claim. When I apply for a new insurance there is a question which asks : "Are you involved in any accident no matter it is your fault or not,made a claim or not" and when I put yes to this question, my insurance is still substantially more. Do I need to say yes for this question and pay a huge amount as insurance for none of my fault?