My Mercedes was hit amidships on passenger side today by an old boy who drove his Skoda straight out of a side road without stopping. He admitted liability.

My insurance co has offered a courtesy car but I have heard horror stories about the innocent party being stuck for huge bills for courtesy car hire.

So I declined the offer (I have a spare car I can use while mine is off the road.)

However, my daughter who used to work in the car insurance business says I should take the courtesy car.

How can I guard against being taken for a ride by the courtesy car company?

Thanks