Thanks so much for all your advice That was really helpful. The insurance company has still not sent out an assessment engineer, or courtesy car; so we have had to spend £20 per day on taxis to and from our home. They have admitted that it was their fault that the address wasn't updated; they have a record that I called to update it (I also wrote as they requested) but they have no record on their system of the date, or the letter, or when it was- only that it was, in their words, a 'long time ago'. Today they have told us that our claim will be reopened, and said that we are jointly liable for the accident, with the other party; and that we should have an engineer with us 'in the next few days.' So, that means we have been a week tomorrow without a car, and incurring more and more expense each day. Can we claim this back? I have been back to hospital due to the whiplash injury, but no-one has explained to me about how or if I should claim for personal injury; would I have to claim againist my husband? And how would it work if it's joint liability? Our insurance is fully comp and is with More Than. Indeed, I've had more than enough of waiting for them to get their act together! Thanks again

Hi all, I am so delighted to find you here! Last Thursday my husband and I were driving home through the country lanes in our VW Golf and were 50 metres from our house when a giant SUV appeared around the bend. Hubby, who was driving, braked immediately, while the SUV, going at about 30 mph, just slowed down - we slid on wet mud on the road surface, and the SUV braked and - bam - a head on collision which left us with a written off car (we assume) and the SUV owner with nothing but a cracked number plate. I was a passenger in the front seat, and got severe whiplash; my neighbour took me to the local hospital where the nurse said I have 'the most spectacular muscle spasm' she'd ever seen. The driver of the SUV told us he didn't think it was anyone's fault, and that we should both admit liability - but this is the first time this has ever happened to us, and I want to make sure we don't get conned. We checked out the road and think he would have seen us before we saw him because of the height of his vehicle and his position on the road - he also revealed that he was driving to pick his wife up and I think he was going too fast around a narrow bend, and didn't stop - just slowed. My husband is Scandinavian, and during his conversation with the insurers while I was at the hospital, the insurers put down that he admitted liability, while I feel that he didn't fully understand what was being asked of him. It looks like they were wanting us to go 'knock for knock' but I don't know what that means. Since then, we have discovered that our car insurance is still registered at our previous address, which we left a few months ago, due to an administrational oversight - and they told us, after leaving us with a wrecked car and no courtesy car for four days, and with no contact - that we may not be entitled to anything, and that our claim is now on hold! This has meant that I have been unable to get to hospital for my whiplash physio, and I don't have any idea what to do to resolve this. So - -is it true that they can decline payment due to the address not being updated? -can I claim personal injury? - and can I get the insurers to retract that my hubby was at fault, when he didn't understand the question? Thanks for any advice!