They crashed my car

Use this company at your own risk. They crashed my car and only offered to pay my excess. They wouldn't cover the car damage so I had to claim from my insurance which is now affecting me every time I want to get an insurance quote. It gets worse because they didn't just crash my car in the accident but they also crashed 2 other cars that were randomly in the road so those two are also claiming from my insurance. What type of company doesn't have insurance that covers damage to clients vehicles when they are in the business of driving clients cars ?