You'd think that the police being part of the incident and a witness would mean all the paperwork would be quick and easy... But 3 days in and unbelievably the insurance company is still not sure if the other party was at fault.
Why? Because the police at the scene were night shift. The insurance assessors work office hours. Never the twain shall meet. That means the assessors still don't have the police statement confirming fault.
Apparently photos showing the other party's car on the wrong side of the road, embedded in the front of mine are not sufficient. Oh well. Looks like I'll be working from home on Monday... Every cloud etc.
I'll add my commiserations, and good wishes for a complete recovery.
My experience has always been that it doesn't matter how much in the right you are, the story always gets twisted around, and not in your favour. No matter how decent, honest and totally at fault the person in the other vehicle appears, it never seems to help.
I was once sitting in my car parked by the side of the road, doing some map reading . A car came in the other direction and for some reason I looked up. The guy seemed to be fishing around on the floor of his vehicle as if he had dropped something. Anyway he side swiped me, and took off my mirror. He stopped, got out, looked at the scratches on his car, looked at the damage to mine, then said he was so sorry, really it was all his fault..... He offered me twenty quid for the damage, and no insurance companies to be involved. I said no way, give me your insurance details, let them sort it properly.
Of course after he got home, discussed it with the guys in the pub, or whatever, he decided to change his tune. When he made his statement to his insurance company, apparently I drove into him! Eventually, as there was only my word against his, the insurance companies settled to a fifty fifty split of all the damage.......so we had to pay for his car to be fixed and resprayed.....
Peter