MOD: Only because it is an important question did I bother not to lock it, and I put the STATE you are in for you. READ the STICKIES in future! OK people, advice required. Month and a half back a driver did a u-turn across the front of me. I braked and steered but clipped his car and went down as he left me nowhere to go. No question he was at fault. There were no witnesses (details were posted earlier). Finally hear from his insurance company today after I sent him another letter of demand last week and he has given them a completely fabricated story, the gist being that he was sitting at the side of the road indicating, saw me and waited, I got â€œa frightâ€ as I went past and spontaneously crashed. Um, yeah....right. Anyway, apparently this ludicrous story is good enough for his insurance company to deny my claim against him. I only had 3rd party on the old Spada so now Iâ€™m unsure of my options. I have: * A stat dec I wrote after the accident * His name, address, phone no. and insurance company details (why would I have these if he was uninvolved in the accident and I crashed myself?) * His ridiculously implausible story. My questions: * Is his company able to just deny me like this when his story is so implausible? * Is my only recourse legal action? * Even if I won will it cost me more than the ~$5400 I am out to get for the written off bike +damaged gear? Am I wasting my time? Would love to hear any expert opinions or from people whoâ€™ve been through similar. Cheers all.