lying scum

[tg1]

had a accident 3 months ago, and on the last day the dude says its not his fault. (it was)

now the insurance company is saying i need to pay to have repairs before they can go any further.

They want us to pay first then claim it back. 

and as hes not admitted liability its probably gonna be 50/50

whats my options. i don't see why i should pay for the damage someone else caused to my car when its there fault

steaming mad, and tempted to pay him a visit. would that affect my claim?

[the_stink]

what were the circumstances?

but sounds like a ball ache dude and a visit as nice as it sounds prob aint the best move

[tg1]

was at the lights in filton roundabout, facing away from mod towards bq, parkway etc. (2 lanes left for axa, parkway. right for bq dvla etc

i was in left hand lane, and some plank in a fiat multipla diesel decided to bounce it on the biting point. rocking back and forward. (nice way to behave with your kids in the car  )

i start pointing and laughing with the mrs at him and his misguided ideas

lights go green, he trys to rocket off. i however pull off sedately and change up at approx 1.5k revs
in the first 3 gears. dude veers towards me, and pulls back, then does the same again but doesn't swerve this time BANG! bounces off the side of the car, and continues on. was cheesed off somewhat at this and overtook him and stopped. then he decides to jump out appologising and say how he never saw me, how i was in his blind spot. admitted liability there and then, took his details, not including the insurance company (was more worried about the pregnant mrs) and got on, to get her checked out.

damage was ding on drivers door, real small. cracked mirror casing, dented front wing, scuffed and scraped paint on wing and down to bumper, and marked the splitter too

its not a lot of damage tbh, but i want it fixed, it wasn't my fault and thats whats insurance is for isn't it?

Just not sure what happens after i drop it at the body shop. the insurance company want us to pay either the excess or the cost of the damage and claim it back. Seeing as how i know this is gonna take a while to claim back. i'm probably gonna pay the money off on a credit card for the repairs. can i claim the interest incurred off the insurance company as well as the cost of damages. which they reckon is gonna be 50/50. can i reject this as i don't see why i should have to pay for the damage he caused at all. if i was at fault or partly to blame i'd go 50-50 but its not. can i use my legal cover to persue this if i'm not satisfied with the result of the claim?

[dom]

I'm guessing there were no other witnesses that you know of that can verify what happened?

You shouldn't be made to pay anything, bar the excess, upfront....kinda defeats the object of having the policy 

Who regulates car insurance brokers? the FSA? If it is, i'd get in touch with them and see what they say.

[tg1]

well i've gonna be speaking with the insurance company tomorrow, see what sort of answers i get.

debating ringing the dude up and asking him to hurry up and admit liability. would this affect the claim?

but i got to go see about some new quotes for it also.