No need to inform your insurance,

exactly the same thing happened to my girfriends sister, there is a government fund/pot for this exact type of situation. Give my friend a call Mr Mark Lampkin http://www.lampkins.co.uk/and he will be able to explain exactly where you stand, say I passed them onto you. He is a good friend of mine and the family who has helped god know how many people out over the years as he is an RTA specialist.

Your insurance will not be affected either unless you go through them.

Hope this helps mate, if your unsure about anything you can give me a call anytime.