Got a but of a dilemma guys. Last year after Perth cup I was in a friends car and she ran into the back of someone coz he stopped too quick for the person infront of him. Anyway, she hit the back of him and did hardly any damage to his car but hers was pretty bad and had to go in for full new front end. The car she hit was a little mirage company car, the guy was quite sympathetic and said he would just deal with it privately and she can do the same, they exchanged details anyway and that was the end of it.
10 months later ( the other day) she's received a letter saying that she would have to organize with her insurance company to cover the costs of his car, after an agreement was made between the two people involved to fix their own. However, she's since changed insurance companies and doesnt know what to do now coz she thought it was done and dusted.

Any help from those of you that work in insurance would be greatly appreciated!

Thanks!