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To an insurer it might look like a scam but it is unlikely they have the right to say they won't pay. You both need to read the small print of your insurance policies; your sister to discover if there is a specific clause allowing the insurer to duck out of a claim at the same address and yourself to discover if your insurance includes any legal protection where your insurer would sue your sister and/or her insurer.
If the damage isn't great or expensive it might be better for your sister to pay you directly if she has any no-claims discount to lose.
Before you become too distracted it is wise to place a description and all the details of the incident on paper and include plan drawings and photographs of the damage and the scene.
If her insurer doesn't have a specific clause then I suggest you proceed with a claim regardless. Make the claim in writing and have it delivered into the hands of the Claims Manager at the company office.
If there is a clause allowing them to refuse to pay it will give you no choice except to forget it or to sue your sister...
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if you dont plan on adding any aftermarket lights,amps,or power mods just get the recommended group size any place that sales batteries can give you the correct one.
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