I have just rung Vero Insurance who is the Insurer of the guy I had the tangle with last night. I told them that I wanted to make a claim against his policy, they looked him up and said that he has not yet made a claim and until he does, there is nothing that they can do. I said that he may not make a claim against his policy at all, he said that himself. I'm guessing that I will now have to go through the RACV (my insurer) to get the ball rolling. This will mean that I will be up for the $400 excess. He turned in front of oncoming traffic (me), I hit the brakes, lost it and slid into the front of him. His car has minimum scratches on lower bumper bar that he said were already there anyway, and a crack in the plastic. I told the Police exactly what happened, they paid him a visit last night (as he'd left the scene before they arrived), they related the story as I told it and he agreed with it 100%. But I don't think that he has actually admitted liability. The Police Officer told me that technically he was in the wrong, but that they were not going to pursue it. Any suggestions ?