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@hael
oof :( hope your ok mate, well with regards to doing it outside insurance I have had two incidents, first time the guy never paid up I ended up paying it myself ..grr second time I took pictures of him the car my bike, Im guessing you never took any pictures? if not I would file an accident report at the police station and get a reference number. Then let her know what the reference number is (just in case) and that will let her know your not an idiot and if she doesnt pay you can go back to the police and chase the matter, Im not sure what you can actually do after the incident if she speaks to her husband etc and decides maybe shes not in the wrong and tries to get out of it, but its worth making it as official as possible so it puts her in the position that its easier to just pay for the repairs rather than go through the small claims court etc. In the end I think I waited 3 months for the guy that hit me to pay up after I done a WHOIS on his company website to get the real address and sent a letter along the lines of legal action, surprise surprise I got a call a few days later saying "ahh mate! hope you didnt thing I was trying to get out of paying...nah mate I've just been busy...where did you get the address by the way?.."
Ha! plus most people think it will cost 40-50 quid to repair... I loved the look on the guys face when he met me at the bike shop to pay for £316 worth of replacements