Definitely good advice from Sam....
Back problems can lie malignant for many many months and then suddenly manifiest into all sorts of trouble. Best get yourself to either a Physiotherapist or a doctor for examination to make sure everything is in alignment still.. My best bet for the sake of 20 quid would be the Physio as they can say straight away your condition and if you should use this as leverage etc...
On the car note, I would get it thorughly looked over, don't just assume bumber and exhaust are all that is busted - have a full suspension geometry check and adjustment done, and add that to the claim. Did you have your hand brake on when it happened? I (successfully) claimed for 2 flat flat-spotted Yoko's when I got shunted.
Definitely good advice and something I would also have checked out.. Some people think that because they pay their insurance they are frightened to claim too much for fear of a severe increase in the years to come. BS !!! If you have a claim it will increase by 'x' amount no matter how much you have claimed for perviously. Not 'x' plus what you also claimed for only 'x', so make sure your claim at that time is to your own personal satisfaction. Be happy in yourself that you have received everything you personally feel comfortable with..
Good luck !!!!
Paul
PS.. My wife was an insurance underwriter before she gave up to be a household engineer *hugs her and smiles* so she has educated me well
