Today someone drove into me whilst i was in my fiancees RT. he pulled out of a side rd into me - his fault. i also have a witness who is prepared to chat to my insurance co' (i have all his details). anyway this person didnt want it to go through the insurance and wanted to pay for the damage. on the way home i took it to a garage who said it would be a min 500 repair. i got home and decided to ring the fella and tell him i was claiming...... suprise suprise his phone was off. so i rung insurance co....... end of the story: i cant claim through my policy as we are 3rd party, even though its his fault. as 3rd party im only covered if he tried to claim it was my fault. but i can ring his insurance co and register a claim, although my insurance co wont help. ohhh and the guy who crashed into me has just got out of prison! and he had is insurance docs in the car with him?!!!? plus it was dated jan 25!!! how dodgy. think ive just lost a grand on the car. FFS just saved up for my big brake convo tooo