• How did the accident actually happen? If you can describe it that would help.

    That said **all the stuff on page one of this thread is brilliant **and a good yard stick to follow.

    If someone doesn't want to do it through the insurance there are a number of reasons 1) he hasn't got any 2) he's at fault and trying it on with someone younger and less experienced than him 3) he wants to save the no claims bonus. Of the three 1 & 2 are most likely.

    But ss I say follow the procedure as set out at the start of this thread.

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