I am not insured and at fault

• I don't agree with the amount claimed
• I can’t afford to pay the amount claimed
• It's been a long time since the accident, can they still pursue me?
• Does the other party (or their insurer) have to contact me before they repair the other party's car?
• The driver of the other car said if I paid his/her excess then it would be ok
• Does the other party (or their insurer) have to get 2-3 quotes before repairing the car?
• The other party is trying to recover hire car costs