Hello JonBurns, I wondered how long it would take for an ambulance chaser to pop up :). Only joking. Say Hi to Mrs Burns for me. Are you riding Blue John tomorrow?
Junkyard and Drac, sorry but you are talking utter s**t. The law of this country says that people who cause injury/damage to others by their negligence must make good the damaage done. The law also requires drivers to have third party insurance to make sure they can afford to pay. That is what it is there for.
Insurance premiums are rising for various reasons. Firstly, the amount of insurance fraud. I disagree with Margin Walker, there is masses of it about - criminal gangs, staged accidents, ghost passengers and, to a lesser extent, people exaggerating their losses. Secondly, true ambulance chasing solicitors and their associates who exploit all the commercial opportunities the system allows - inflated credit car hire, inflated medical and other expert fees etc. Thirdly the system itself, introduced by the government to save it money on Legal Aid, which allows lawyers to claim excessive success fees and insurance premiums that often vastly exceed the value of the claims tehmselves, which the current government is about to abolish as they are bankrupting the NHS and local authorities. Also the fact that as roads get busier and speeds higher there are more serious injuries which are more costly, and the fact that in recessionary times those costs increase ever faster adn insurers returns on investments fall.
I am an insurance solicitor so I defend personal injury claims on behalf of insurers. I have no time at all for true ambulance chasers - those I describe above - but there are many good claimant solicitors out there. If I was injured in the way the OP has been I would certainly claim. The means of the responsible driver are irrelevant. To suggest otherwise is just nonsence.