Long time lurker and poster, usually in relationships . Here goes, Dec 22, 2019, driving with my then BF, crash occurs, hit from behind, an odd grating blow as travelling forward. Upshot I don't accept blame, neither does the other. I don't claim money- wise - I have an oldish car and damage to bumper seemed small. My insurance company don't accept fault, neither does his. Covid happens, I work in ICU, I have much other stress to think about, but in back of mind I'm thinking it's taking a long time to get sorted. March, just before lockdown, car insurance company asks for more details, I give full description, map, photos. They say thanks, not accepting blame . June, get letter from insurance company saying they have had no response from others insurance so closing it, but advise that they have 3 years where they could claim - this is a worry, I ring my company and say, hang on, so what if I want to make a claim - they say, this is his company insurance details if you want to personally persue it, ie - fuck you as you didn't claim from the off no money in it. August- now, I get a solicitous letter from his insurance company going for me personally - wtf! I put up with 2 months of whiplash that I have not claimed for, but I know it was there, just mega stressed now. I thought that if both insurance companies don't accept blame, they'd sort it between themselves, decide one way or other or do knock for knock, this is totally bizarre to me. If I had my time again, I would of claimed from the off, for the damage and whiplash, but was just being minimalist, honest - hate that we all pay loads for insurance because of money grabbers - so, what's my next step?