Had some final destination shit the other day. A cast iron ornamental piece from my house blew down onto my car and pierced the top in 3 places.

  
It pierced through in 3 places, but none of them made it all the way to inside the car. Right now they're covered with gorilla watertight tape.

  
I'm not covered on my house insurance, but am on my car insurance. I rang them yesterday and they've arranged for a body shop to get in contact and assess the damage before I figure out whether it's worth going ahead with the claim. 

  
Something that concerns me is the fact they said because there isn't another party to claim from, it would essentially be an at fault claim. They said they would be able to note the specifics of the incident in whatever central database insurance companies use, but to me it seems like that's kind of moot. It still means when renewing my insurance I'm going to have to tick that I've had an at fault claim and this will impact me drastically regardless of the fact it wasn't really my fault. 



A few additional notes that might help:

\- I did take the car into an independant garage for an estimate before calling my insurance. He gave a ballpark cost of £2.5k as essentially the whole top panel would need replacing/spraying etc. He suspected this could end up a write off

\- The car is a 2016 Nissan Juke

\- I wouldn't care too much about just driving the car as is. On the other hand if it is a write off, I'd be content with that as I don't really have a lot of love for the car.



Any thoughts on the at fault aspect or on the situation generally would be appreciated. 

No other party to claim against, so I'm at fault.