Insurance company's are c**ts though,,,, I slid on some ice,,,only going slow but it was down hill,,, and my 4x4 hit one coming in the other direction,,,he had stoped to let me past but I slid in to him,,,,,totally my fault,,,we exchanged details ,,,,I told my company it was my fault,,,this poor fella go shit on by my company,,, trying to say it was joint responsibility ,,,they wouldn't pay his curtesy car ,,,, long story short it got dragged out for 18 months,,,in the end it took him getting a brief on the case,,,who phoned me,,,going for private prosecution ,,,,to say I was suprised ,,,,I to