Depends on how big is the claims, I crashed my AXGT into a 306GTi, That was my fault, I tailgate the Bxxxxxxxxx because he cut infront of me, anyway, I drove into the back of his, mine was total, his damaged was around £1500, my insurance didn't even come round look at my car, they just paid the other party (my policy was only 3rd party only.) so they worked out it will cost them more than £1500 to do the inspection so they rather pay out and didnt even take my car away, I manged to sell it as spare!!!:devil: However, if I crashed into a £30k car or someone got hurt, I think the story be completly different. :idea: