The thing that gets me is that we pay all this for insurance we end up scared to claim on in case it costs more in the long wrong. We fiercely protect our no claims, pay for repairs from our own pocket to protect our insurance etc etc. Its a vicious circle a lot of the time. She knows she was in the wrong but has suddenly thought.........mm prove it. Anything thats not 100 percent cut and dried with witnesses etc can end up going 50/50 - its just not right.