OK, So had a minor car accident a few years back and it was basically not my fault. The 3rd party had kids in the car and I'm guessing disputed liability, I was told they had put in a large personal injury claim at the time. I had pictures and a witness to prove it wasn't my fault. An independent car assessor also agreed. 1.5 years after the incident it was still dragging on so I complained - I was given non-fault by my insurance company and left the insurer last year with my no claims cert. Didn't get my excess back though.
3 years on I get this letter from my previous insurance company:
"As you will be aware we approach the third anniversary of this case. Due to the time that has elapsed the third party now seriously intends to issue court proceedings.
We have recently discussed the case with the third party and they are looking to put forward an offer of 50% split in respect of liability. This would mean that we are 50% liable for the losses incurred in this accident, and the third party is equally responsible.
At this time we have the statement from the witness, but his contact details appear to have changed and we are unable to rely that he would attend any court hearing to support your case. His statement alone will not suffice.
At this time we feel that an offer of 50-50 split in liability puts our case at significant risk. We therefore must ask if you have any issue with this you get in contact with us within the next 7 days.
If we do not hear from you before Thursday 11th August 2016 we will look to settle the third party claim on a 50% basis with no admission of liability."
I'm not entirely sure what they are asking of me? or how this affects me now? Surely with everything (photo's, witness statement etc) they have, it would have enough to be confident enough to take it to court?
Not too sure what to make of this and how i should proceed, so would appreciate any advice before i get back in touch with the insurer.