Last Tuesday a lady in an automatic Golf rammed me when I was stationary, I think owing to your frequently-mentioned habit of pressing the wrong pedal.

There was a lot of damage to my car, but she drove off with only a trace of my paint on her Golf. LV has already stated that it will not charge me my excess as they are confident that the other party's insurance company will cough up. LV offered me a car from Enterprise but I declined the use of a replacement car as I do not share this confidence that an insurer, with very little damage to its own policyholder’s car, will want to spend hundreds repairing mine. Was I right?