2 non-fault accidents in a month

[newton]

car parked outside house neighbours dozy wife bumps her big 4x4 into the front of my immaculate pride and joy (which I polish every weekend cos i only just got it) scraping bumper and bonnet

Audi state £800 to repair (new bumper and bonnet respray)

Challenge neighbour she says sorry and claim off my insurance

I go to hospital due to illness

Brother drives my vehicle +4 passengers going round roundabout in unfamiliar town -

he is in veh 1 in the outside lane going round, (about 20mph) veh 2 comes hurtling off carriageway into roundabout (at speed possibly 40-50 mph)following path of inner carriage way and then cuts across his path to exit onto the dual carriage way inbetween veh 1 (brother) and veh 3 (directly in front) collision occurs

Point of impact is his real wheel arch and my vehs front wing/headlight corner

Front seat passenger in considerable shock and pain rear seat passengers also complaining

At first veh 1 driver states sorry sorry i should not have done
then upon police attendance changes his story stating brother cut acrross his path causing collision

Police state no witnesses so no further action

What can i do??

1. In respect of police should i place advert in the local paper for witnesses because there were many other vehicles and cyclists on the road and they could then seek prosecution for motoring/driving offences and also help prove my case for claim against his insurance company
2. In respect of injury what should my passengwers do- go through a solicitor or through an accident management company- i did not go for leagal assistance addition to policy
3. I am fully comprehensive (norich union) only two claims in the past twenty years and the last one was not my fault this is the second- I dont want claim off my own insurance - because i dont think they will pursue the other company (admiral) vigourously enough- in the end my premiums will increase next year they dont pay out as much in terms of legal fees etc and each insurance company meets its own claim and each insurance company increases the poicy holders premium the following year
4. I need to decide because its hardwork being without a vehicle and my insurance does provide a hire vehicle for a short period of time
5. THE CLAIMS DEPT ON PHONE STATED ENGINEER WOULD COME AND VISIT VEHICLE AND IT LOOKS LIKE IT MIGHT BE WRITE OFF

Any help would be appreciated

[newton]

eRM

[newton]

6. What about the initial £800 quids worth of damage done by neighbour this has not yet been resolved/repaired or claimed