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How can I help with this please?
Yes. In short.
Your insurance company are liable on your behalf. If they choose to settle that is a matter for them and their risk management.
They are free to reduce your no claims bonus though either way because there has been a claim. It is not a no blame bonus. It is a no claim bonus.
They might well have chosen to settle because it is not worth the cost of defending a claim of this kind rather than that they take the view it is overwhelming.
Can I clarify anything for you?