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I take it the claim was against whip lash and nothing to do with the car then! I personally dont know what to say mate. Its a s**t situatuon but there is no way id of let elephant do that
His whip lash came one quite late! I remember my mate crashed a few years ago with me in the car. Time to put a claim in i think...
On a serious note dude you should have disputed it. Asked for proof, are you sure your handbrake wasnt on ;)????