Insurance Overpaid by 3 Times! what Can I Do?

Hi,
recently I was involved in an "accident" (my nephew opened the car door too wide and hit a parked car).

Long story short, the repair estimate came out to be around $400, which my agent said is low enough that it won't affect my premium. Couple of weeks passed and I found out that the adjuster had paid out more than $1300!!

She claims that she had delayed the claimant so she had to pay more. I don't know if my premium will go up yet but I think it will affect it. Is there anything I can do? Should I switch insurance?

Also, this is AAA in California.

Thanks for any suggestion
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