No different to any insurance claim - it will all be decided on evidence. For roundabout incidents insurance companies will always go knock for knock and you will be fortunate at this stage for the third party company to simply accept liability.

To ensure you have a good claim you must have a well prepared version of events - dates, times, weather, photos of the area (streetview will do if its up to date), vehicle movement paths etc Even if it runs to a few pages it's better than the basic info you can put on a claim form.

Maybe things have changed since I last had an insurance claim, but I'm surprised that his insurers contacted you.

Generally speaking its best to answer all queries through your own insurers, and refer any correspondence that you receive from the "other side" to your own insurer, unanswered. Judging from your post you appear to have done the right thing by referring them to your insurers rather than answering their query.

Edited by argybargy on 07/11/2017 at 09:50

Firstly, check your insurance; you may have legal cover which allows you to engage their solicitor.

Secondly, taxi drivers, like most 'professionals' think they have licence to take short cuts because thier journey is 'important'. They may be able to drive a vehicle very well but it doesn't make them a good driver or free from accidents. I would stand at the roundabout with a video camera and catch some examples of this type of driving. Good evidence of this type can strengthen your case. You could even follow him and film him doing it again.

Thirdly, draw diagrams of the area and show the vehicle positions before, during and after the manouvre on the roundabout. They may look simple like childrens drawings but if they explain your position they will do.

Fourthly and most importantly, is don't back down. You may well be faced with their insurers or their solicitors trying to question and intimidate you, but don't bite. Refer them to your written statement of events and the diagrams and tell them you have nothing to add at this time. Also if you have a solicitor and they try to talk you into a blame share, i.e. 50/50 or 60/40, tell them to stick it and you will let a court decide. If you are in the right you must uphold your position and stick to your guns. They may play brinkmanship but stick at and you can win.

I had this problem with a Royal Mail vehicle on a roundabout. It was so obvious he was to blame but he lied and better lied. I went back to the roundabout, near the RM sorting depot and photographed many of their vehicles doing exactly what he did, which was to cut off the inside lane going across the roundabout. Just before the court case at the Small Claims Court they offered me an 80/20 blame share. My solicitor (insurance provided) advised me to take it. I told him to stick it. I then sent the photographs I had taken to him and the RM. The day before the court case they gave in.

If you are right and confident and can collect some edvidence then stick it out. I am afraid that is price for getting justice because unfortunately most will lie like doormats.

Good luck, Cheers Concrete