Ive spoken to my insurers and they think I will be responsbible to claim from my own insurers - which means we have to cough up the very hefty excess fee. Neighbours car is total write off btw, but she said she is happy for her insurers to settle both cars. Ive yet to find out if her insurance will actually cover mine, but as I say....my insurers say they wont.
Would this be the norm - does anyone know? IF it is, bangs goes DS birthday party