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[nick v6]

ive just called the insurance company that the cow that hit my mig insures with
they just told me that she is only third party only
she told me she was fully comp

does that affect me in any way or my car being repaired
can anyone tell me please
ive only ever gone fully comp so i don't know where i stand with a lower group
thanks

Only just herd this news; `sounds like a load of bull and she should be told to pull the udder-one and stop milking it for what it`s worth.

here is your coat debs.....

keep your coat debs
i like it

[Chris_H]

Nick

As said if her insurance checks out as valid then you are covered for the damage provided the two insurance companies agree she is 100 percent to blame.

It's very difficult to wriggle out of total blame for a rear-ender.  She would have to prove you were going backwards or brake-tested her and that's not easy.

If she's coughed to her fault that makes it even more likely there will be no problem for you but her insurer will be livid with her for saying it.

Your main objective is to ensure that all your damage (and injury) is known before the claim is finalised.

I hope family recover very soon with no long-lasting effects.

[nick v6]

Nick

As said if her insurance checks out as valid then you are covered for the damage provided the two insurance companies agree she is 100 percent to blame.

It's very difficult to wriggle out of total blame for a rear-ender.  She would have to prove you were going backwards or brake-tested her and that's not easy.

If she's coughed to her fault that makes it even more likely there will be no problem for you but her insurer will be livid with her for saying it.

Your main objective is to ensure that all your damage (and injury) is known before the claim is finalised.

I hope family recover very soon with no long-lasting effects.

she has admitted full blame
she has told her insurance company as my insurance company has told me she has admitted its her fault

so thats the hard part sorted
as for the family, we are still in a it of pain but not as bad as what it was and we are still getting my 2 year old son back used to the car again