Tina] Surely your insurance will cover you for a new car until her insurance pays out ? Are the police pressing charges (or are you?) - My advice would also be to see a Personal Injury Lawyer about it. Apparently any claim for injury/worry caused are automatically accepted by insurers if they are not over a certain limit (a few grand) when they start to check up.....I know it is not greatly helpful at the moment but I am sure that when a cheque finally arrives from her insurers it will make you feel better. I'm against stupid litigation generally, but in car accidents like this they are rarely stupid and you should also be vigilant for any signs of injury that may not be yet manifesting themselves - neck, back especially. BM] That is an ***utterly*** ridiculous thing to say.