I think it can end up in court with a judge ruling an apportion of fault between parties. I’m not that experianced; but 4 months isn’t that long with these things. I think people on here have cases going on years…
My last claim took 2.5 years before it went to court…
On plus side, my insurance left my no claims intact throughout. On the claim before that, they didn’t, but refunded me the difference when it was finally resolved in my favour. Still hassle, especially if you want to switch insurers in the mean time.
I had one where my company was making a claim against another driver when our car and his came together, he had no damage and ours had a completely dented wheel arch (about £1,500 damage). In the end (after 7-8 months) the company gave up the claim and paid themselves because the other party’s insurance did not even respond.
In both damage only and injury claims, unless it is blatantly clear as to who was at fault, the third party insurers are entitled to a period of three months where they are allowed to carry out their own investigation.
At the end of this three month period they can either admit iability or deny liability. If there is injury and liability is admitted, nothing much is going to happen until such time as all injuries have healed or at least healed as well as they are likely to. Settle too quickly and before you have mended, I can guarantee your claim will be undervalued. In minor injury cases you are usually looking for a decent solicitor to take between 12 and 18 months to settle. The more serious the injury, the longer the settlement time. Bear in mind that if you accept an early low offer and 12 months down the line you still have problems, you cannot go back and ask for more money.
In damage cases more straight forward, and you can start bringing pressure to bear. However, if the Police were involved, this can delay things as it can take several months for them to send out case extracts once the case has been closed. But insurers will often wait for the Police file as that often helps determine liability even though they do not investigate much these days.
If there was no police involvement, then think about threatening the insurance ombudsman.
Police came to the scene as we were in the middle of the road, just to help us move along not sure if that counts as involvement or not?
If the law was complied with (exchanged names and addresses, registration numbers etc, etc) then probably not.
I would suggest that you phone your insurers and ask for an update and if anyone says that they are not in a position to give you any information ask to speak to a manager of supervisor. If you get no joy from that, tell them that you now wish to make a formal complaint. They have a procedure they must follw once a formal complaint is triggered, and then you have the option of going down a more formal route with the insurance ombudsman