my car insurance is allowing a party to make a claim on my insurance I didn't do. I have pictures after our fender bender proving so.

Most insurance policies give the right to settle to the insurance company but you can contact your insurance company and contest their decision to settle. I would make it clear to them you believe their conduct is in bad faith because paying a claim will more likely than not increase you premiums. I would put that in writing. This response is general in nature and is not legal advice. No attorney client relationship is formed by it. Further, the response does not represent the opinions or views of LexisNexis or its affiliated companies.