That doesn't seem right to me. I would talk a little more in depth with them about that. If you don't understand/agree with the answers from the insurers, I'd consult (off the record) some legal help for information on insurance law. That doesn't make sense to me that a non-claim would affect your insurance rates and it leaves a bad taste in my mouth.
The way I see it, you did well to ride through that without injury. If anything, you're less of a liability because you've shown that your'e able to cope with roadway surprises an not require a claim be made...
