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Hope your feeling better mate.
Agree the insurance companies are pricks, I had a head on on a dirt road with another 4wd that overshot a corner because he hit the skids and went strait.
Same thing, 50/50 blame because there was no center line. I was expected to miraculasly manoeuvre my car out of the way.
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Thats so shit, the little bastard
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he should be paying your excess!
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Man that's crap, Hope your rig is back on the road asap
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Mate, my work is doing repairs for insurance companies (building), and there is no way they should increase your premiums or your excess because you made a claim.