Some dopey fuck ran a red light at a busy junction and ended up smashing up the front of my other half's little C2. Car was picked up and towed, looking like a write off.|
Police weren't interested, although they did appear hours after details were swapped and dopey fuck had gone home; "a matter for insurance companies to sort out", they said.
But whose? Should she should be chasing his insurance company? He has called up and admitted liability to them, and in a fair and just world, they'll do the right thing and either pay for repairs or offer a fair market value without having to pester them.
Or should she be putting in a claim with her own insurance, taking the (massive voluntary) excess on the chin in the hope her own insurance will try and get it back from the third party and that the claim won't stick on her record.
Never had to deal with insurance companies before, so any sage-like would be appreciated.
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