I was involved in an accident when driving out of my drive. I pulled out and a car came around the corner and hit my front. We live on a rat-run notorious for cars speeding through the village. The insurance company (which is also the other driver's company) says that it my fault, despite the above circumstances. How do we resist that position?

Also I fear they will write-off my much beloved right year old Renault Clio for a derisory sum, when the damage is actually repairable. Can I insist on repairing it myself