Good naman you're ok.

Medyo matagal na since we had an insurance claim similar to your situation, but the last we had was when a bus hit our Civic around 1997. We had a police report that showed clearly the bus was at fault. We had the Civic repaired at Honda, and processed payment through our own insurance. I was surprised later, that we did not have to pay for anything.

I am not certain, but I had assumed that since our insurance had a police report showing the bus at fault, they maybe went after the bus company's insurance to cover all the damages, or at least our would've been participation fee.

Not so sure lang if our premium was affected nga the following year, but couldn't recall noticing an increase naman then. That was the only insurance claim naman on that year for that vehicle.