The insurance should cover, but I don't want to file a claim

Because it is really not my fault.

I just called my insurance company, they checked and said the rental company hasn't filed a claim through my insurance company either. It's just during the dispute stage. Since the rental company hasn't filed a claim yet, the insurance company can't handle this. And I don't want to file a claim either since it's not my fault. Does that mean if I file a claim, I already admitted I did it?