I was stationary in traffic a few months ago when I was hit from behind and shunted into the car in front. The person in front said there was only one bump and the person in the car behind me admitted responsibility for the incident. It should have been no problem - my car was written off, the money was paid and I got a replacement car. Due to an increase on my premium, I changed insurance and had to pay a cancellation charge. The insurance company took the remainder of the year's premium, saying that because the case was still open, they would refund me once they had confirmation it was closed. I have now found out they have put my claim down as a fault claim. My insurance don't seem to care (I guess it makes no difference to them), but having a fault claim and a no fault claim makes a big difference to me. In hindsight I wish I had called the police and gone down that route. Any advice would be appreciated.