I am about to get ripped off with an insurance claim. Last July, I was going straight ahead at a roundabout onto the M5, when a driver in the left hand lane cut into my lane, clearly not having checked his blind spot, and clipped the front wing of my car with the rear of his. At the time, we got out, exchanged details in a civilised manner, and he appologised for having caused the accident. I contacted my insurance company, Norwich Union, who were really difficult to get into action, and reported it, assuming it would be an undisputed case of hit by a third party. Quite some time later, I was informed that the third party was disputing liability, telling a complete pack of lies that I had changed lanes and collided with him. He was also trying it on with a personal injury claim, saying he now had neck and back pains. Things draggged on, and I made it quite clear that his account of the event was completely false. I have just received a phone call to say the decision has gone against me, and that I am considered 100% liable for the accident. This is supposedly based on the damage to both vehicles! Because his was damaged at the back and mine at the front, it has been classified as a rear-end shunt!!?!? I really cannot believe this, and I cannot understand how anyone can interpret the damage to the vehicles in this way. Norwich Union says my only option would be to go to court, but they do not recommend it because they do not think I have any evidence to back up my arguement. Any advice most welcome. I am absolutely furious about this. With the lack of an independant witness, I had expected it might be a 50/50, but this decision is outrageous. I have protected no claims, so that is not what bothers me. It is just the fact that scum-bags like this can drive so badly, tell a pack of lies, and simply get away with it. What would anybody else do in this situation? Should I go to court?