>> I have heard nothing since - at least, until today, when the renewal letter from
>> the insurance company came through. It's a few pounds cheaper than last year.
>>
Have you got protected NCB? Normally they take a couple of years NCB away if a claim is outstanding at renewal.
I will say we had (divorced now) a family member who was allegedly badly affected by whiplash after her car was little more than nudged in the side and it apparently cricked her neck - I'm thinking the person you hit would likely have had their head turned to looking for a gap in the traffic.
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