If I were you I'd settle with her quickly, paying for the wheel, and hope a mysterious case of whiplash doesn't develop.
Either way, I'm 99% certain that you are obliged to inform your insurance company if you are involved in an accident - even if there is no claim. (Its in very small print in most policy booklets!)
I'm reluctant to inform them if there is not going to be a claim as the bonus protection might not prevent them loading my policy at the next renewal if there might be a future claim.
wife received post from her insurance company syaing that the claim had been settled - she was awarded 30k - for what??
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