I caused some flood damage in an apartment ($3k), and I have admitted that it was through my negligence that the damage was caused. The girl whose apartment it is, planned to claim for the damage on her insurance, though she told me that her insurance company would very likely sue me to recoup their pay out.
However she has now told me that she had a one-off no claim discount and she has found that if she claims from her insurance, her payments will increase significantly and she would also have a $500 deductible to pay.
She now says that instead of claiming form her insurance, she will be suing me directly for the full amount. She says that by suing me, she will not then incur any increase in her insurance premium and she will not have to pay any deductible.
She says that her insurance company would have been suing me anyway to recoup the amount they would have had to pay if she had claimed from them as this is pretty much standard practice for insurance companies when there is negligence by another party. I know little about how insurance works, so does this seem right?