FYI ... my solicitor advised me to settle on a 50:50 basic ... when a car went thro a red light and hit mine. I did not accept this and said I'd be prepared for a JUDGE to make the ruling ... so off to court we go.... Shortly after I made this decision the other party accepted 100% responsibility .... consequently no loss of no claims bonus ! Knock for knock works for the insurance industry, not for you !!!!