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« on: 05 June 2023, 08:43:14 am »
Did your policy at the time have "legal cover"? If so, that's who needs to be involved - you paid for it
Its the insurance companies issue and they should be fighting it. They wont though. They don't want to spend any money they don't have to so if there is any doubt they will roll over and go 50/50 with you ultimately paying through loss if no-claims etc etc. Insurance companies are really just legalised thieves.
How is Mr Merc explaining the damage? You reversed into him? At the end of the day, it doesn't matter if you brake checked him or he had his eyes shut, he has a duty of care when driving to ensure he can stop in the space available. He obviously didn't as his car hit yours.