hi folks, in a bit of a predicament regarding an accident back in July 2016.

I am insured through Allianz through safeguard for my motorhome insurance,

back in July i had a buyer for it, so decided to use it one last time before parting with it.

on my way home, passed through a town not far from my home address,

is a narrow street, with cars parked down one side,

in designated parking bays,

but these take up half of the road lane,

meaning anyone passing will have to straddle the other lane of the road,

the wrong side,

the other lane has double yellows,

so no parking.

This was the lane i was travelling along,

when approaching near the end of line of parked cars,

this driver decided not to wait or give way to avoid an accident,

the road is clear to see if anything is coming,

and parts where you can pull into to allow the oncoming traffic to carry on their journey.

My motorhome at its widest point is just under 9ft wide,

taking up its presence on the road,

the main street is that narrow at points,

it is not safe to pass,

as their is just not enough room,

when i realised this driver was not going to stop,

i slammed on my brakes,

almost at a standstill when he hit my mirror,

smashed it,

dented the door,

and scrapped along the coach body of the motorhome.

i pulled into the space right across the road from me,

where he should have pulled into,

he admitted he should have gave away,

then saying he was as far over as he could go,

meaning if one of the parked cars opened their door,

he would have taken that off,

as well as hitting me,

exchanged details,

to find out later he is disputing the claim saying it was my fault,

when he was on my side of the road,

nowhere for me to go to avoid him,

other than mounting a pavement or driving into a building,

one of the local businesses seen what happened and gave me his contact details for a witness.

My problem now is,

the insurance company say they have not received anything from him and him saying he has sent them it twice,

and without this statement i would have to accept responsibility or go 50/50,

i have even given them a dash cam vid of the road and where the accident happened,

not a clip of the actual accident,

but more to show the condition of the road,

and space with passing cars in both directions,

they are now saying that they can check this on google,

and because the clip is not of the actual accident,

it would not count.

Now google cant show the road conditions,

of passing cars,

and the clip was done to prove this fact,

seems to be a known area for this happening,

informed them the repairs would not be done until it had being resolved.

Recently got a call from the bodyshop saying the insurance company has now authorised the claim,

and booked it in,

i presumed it had now being resolved and the 3rd party had accepted responsibility,

no letter,

call or email from my insurance to tell me this,

when it has not being resolved and i would have to pay the 300 excess,

depending on how the 3rd party goes,

it would be claimed back from their insurance.

I feel now they have taken the upper hand and forced me into a position,

where i have told them i will not accept any responsibility for the accident,

and prepared to take it to court,

where i was informed it would not go to court as the claim was under 1k and my only option is to accept a 50/50.

I have also had a lot of out of pocket expense,

as the motorhome is now not worth what i had a buyer for it last year,

and as they have not got the witness statement,

then i have no case to answer and will have to accept 50/50.

I rang the motor legal protection i had on my policy,

found out this is a complete waste of money as they offered no help at all,

and said it would be better to just accept 50/50.

i have being up a few times to see the witness,

even leaving him a copy of the witness statement for him to sign,

has asked me to come back for it next week,

but if i have problems getting this off him

where do i stand,

what can i do,

as it will also affect my future insurance,

and for an accident where i was at no fault at all

and thoughts on this would be greatly appreciated

You either accept 50/50 or you yourself take the third party to court to claim everything e.g cost of repair, excess etc. You have to build your own case, as your Insurers are refusing to do this, because so far they have little to justify them pursuing it.

It is your decision to take, but if you lose any court claim, then it is at your cost. You will have taken the matter on, independent to your Insurers.