Thanks to everyone who replied to my previous question around this issue, I would now just like to ask some clarification on it.
The incident was that I caused some damage to a property ($3000) through what was likely my own negligence. The girl whose apartment it is, planned to claim for the damage on her insurance, though she was advised to inform me that her insurance company would very likely sue me to recoup their pay out as this is standard practice.
However she then told me that she had a one-off no claim discount and if she were to claim from her insurance, her premium would increase significantly and she also had a $500 deductible so she would not receive the full amount of a claim.
She has now told me that instead of claiming through her insurance, she will be suing me directly in the small claims court for the full amount as this means she will not then incur any increase in her insurance premium and she will not have any deductible.
I may contest the amount of the damage, but can anyone just clarify would there be any difference in amount to pay whether it were her insurance suing me or if she is suing me?