I have just received a letter to claim "damages for negligence". Is this standard? I’ve never claimed on my insurance before. It further goes on to state that "on single lane track, oncoming third party approached, causing head on collision with our client’s already and established correctly proceeding vehicle" , and that I "failed to brake or steer or otherwise manage their vehicle so as to avoid the collision, failed to adequately control their vehicle and failed to adequately observe the presence of the claimant’s vehicle". What a load of absolute rubbish!
Is all of this standard and will my insurance fight my corner on this? I haven’t got a clue what I’m doing sadly however have already given a detailed statement along with photographs and diagrams showing the blind bend etc.
My insurance are closed today sadly so I can’t discuss this with them!