Thank you again Mossy, your advice is very valuable and highly appreciated. It seems to me I have 2 options: a. either write to them as per your advice, or b. accept 50/50 Since the mot, tax and insurance are running out this month, I think financially it would be wise for me to go for option b. However, I need to find out, how this will work out. I mean will I have to surrender the car. I will call the 3rd party insurer and find out. Thank you!

Thank you for your advice. I will write to the third party insurers. To answer your questions: The next day after the accident I reported it to my insurers and to the 3rd party insurers. When I learnt that 3rd party were disputing liability, I contacted his insurers and they said me they would deal with my insurers. I then contacted my insurers who requested a report from me, which was duly sent. It is only today when I phoned my insurers to inquire as to how my claim was progressing that, they told me I had to seek legal advice and that they were not going to do anything. To be honest Mossy, I just want this nightmare to end. I haven't repaired my car because it is uneconomical to repair. Out of desperation, I think I might accept 50/50 and thus loose my NCB. Joining motorway: I was preparing to emerge on the motorway when a driver closed the gap in front of me, (yes there are some sorry low-life out there who will do that) and I had to do an emergency stop. Matey dropped out of nowhere on the left hand side and drove right into me. I am quite sure he was overtaking several cars in the queue to arrive at the front. And since he was speeding his way through a narrow single lane branch road, with temporary barriers on both sides (because of road works), he probably did not have the judgement to realise that his van was too wide to pass near my car without scrapping and denting it. I did not know at that time that I should have sought the details of an independent witness...

Hi all, Back in November a car drove into me whilst I was stationary waiting to emerge on the motorway. The 3rd party is not accepting liability. My vehicle is insured for third party theft cover. Churchill my insurers are refusing to do anything apart from requesting a report of the accident from me. They have asked me, three months after the accident; what have I been doing to pursue the claim! And are saying now I need to seek legal advice. Third party want to settle for 50/50. I am refuting this as I was not at fault. Can I write to the 3rd party insurance to pursue my claim? And if so what should I say? Otherwise I don't think I can go for a no win no fee claim as no one was injured in the accident. Please help.

The highway agencies will only release CCTV coverage if the other party involved in the accident agrees to it. My insurers have requested a report of the accident and a sketch as a result of the third party's insurers contacting them. I understand they are going to compare both version and try to make out the truth...hopefully.

Thank you for your advice. I have reported the accident to my insurer, they politely advised they wouldn't do anything for me since i've got 3rd party cover. And asked me to call the other party's insurer, which I did. 3rd party insurer said they would contact my insurers and that I just have to wait. I'm surprised from the "plain to read facts" the third party are going for 50/50. I think they are just trying to minimise their payout/loss. Will it help at this stage if I wrote to the owner of the third party's vehicle? I want to hold them responsible for the negligence of their employee.

Hi Insurance Guy, A van collided into the passenger side of my vehicle and damaged the wing, door and bumper. This is how it happened, I was trying to pull out from a single-lane slip road onto the motorway, but a car quickly closed the gap in front of me and I had to do an emergency stop. After 3 to 5 seconds this van appeared from nowhere to my left and collided with my vehicle. (Whilst still on the slip road). The driver was obviously trying to overtake me. There are currently road works going on on that slip road and it is very narrow. Anybody who calls themelves a driver would know that 2 vehicles will not go side by side. It is plain to me that he is at fault as well as driving recklessly. It's been a month since the accident and the third party's insurer have since sent someone to assess the damage to my vehicle. Their valuation team have been in contact with me as well as advised me on my options. (My vehicle is apparently uneconomical to repair). I've contacted the third party's insurer today and have learnt that their insured is giving a different version of the accident and they will not accept liability and want to go for 50/50. I only have 3rd party insurance so whatever they decide to settle, I will be out of pocket. Unfortunately for me I don't have any independent witnesses. (At a busy time on the motorway, not an easy thing to find). Can I contest this? My insurance company hasn't heard from them yet? I am very angry and upset that this other driver is being so dishonest after having been so negligent. The 3rd party was driving a commercial vehicle. Any advice would be highly welcome. Thank you.