Thank you for your feedback. I received a courtesy call from the appointed legal firm yesterday afternoon. They advised me they were not able to fully open my case yet as I had not received my two payments, therefore, my total losses were not confirmed on file. They said to contact them once my two payments had been received. This buys me a bit of time. I again contacted my insurance company to see whether there had been any progress at all with the third party insurers admitting liability. There had been none. Out of curiosity I then asked whether anyone had looked at the dashcam footage I had submitted a couple of weeks prior and I was told that nothing had been noted on my file, therefore, it's not known. I requested that someone in a position to view the footage should take a look and send me confirmation of their opinion on the matter. I made it very clear to them that there was no way I was prepared to settle for a split decision in terms of liability. With that the call ended. Around an hour or so later, a lady from the Liability/Claims team sent me an email stating the following: "Thank you for sending me the video footage. This has been reviewed and we continue to held the third party fully liable for this incident. Once there is an update regarding the third party we will let you know. Thank you." Good to know we're on the same page! And I feel much happier knowing the dashcam proved it's worth BankFodder, thank you for your thoughts on this. I do have a question in regards to one of the points you made. You said "I would also consider joining the insurance company and at same time as a second defendant." - how would I do this? I have a clear idea of what to write to the Taxi Driver, but don't fully understand how I can get the insurance company on board? Could you please clarify? Many thanks.

Hello all, I've spent the last couple of hours reading various threads and I have learnt a great deal. However, I need some advice and opinions from you good people. I was involved in a non-fault accident last month. At a four way junction, I was travelling straight ahead and the third party was travelling the opposite way indicating to turn right. At the centre of the junction, where the third party should have stopped and waited for me to clear his path, he did not and hit my car on the front drivers side corner. Dashcam is installed in my car, shows the accident clearly. Also shows a satnav obscuring the third party view of the road quite clearly! Third party is a taxi driver driving a taxi and told me that his vehicle was also fitted with a dashcam. The third party admitted liability the moment he stepped out of the vehicle, although, I'm quite aware this verbal acceptance doesn't mean anything. Police were called as my car was not able to move, so they had to make the area safe until my car could be recovered. Fast forwards to this last week. My car was deemed a total loss, my insurance and GAP insurance have agreed a price and currently I am waiting for the money to enter my account from both companies. Now to the matter of my excess which has been deducted from my settlement payment. My insurance company has informed me that the third party/his insurance has not responded in any way to accept liability for the accident and that I will need to use their recommended legal service (Carpenters Solicitors) to reclaim my excess. My question is, at this moment in time as I have not accepted any help from Carpenters Solicitors, although, they have been instructed by my insurance company to contact me, do I have to use them? Or am I better to try and reclaim the excess by myself by approaching a local solicitors? The only reason this thought has crossed my mind is after reading numerous negative reviews for Carpenters Solicitors. There are two amounts I wish to claim for: My excess and £80 for my private numberplate to be transferred from the old car to the new car. I'll be very thankful for any advice and opinions.