Canalsman
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The alternative, which I have done successfully twice, is not to involve your insurers at all and make a claim directly with the insurers of the other party.
I would have referred the matter to the ombudsman. There are no grounds under which it is legal for you to suffer financially in a situation where you are the innocent party.I had a similar experience on the M1 years ago. Multiple pile up - 11 cars locked together through driving too close.
We were the only car that didn't hit the car in front, we managed to stop with a reasonable distance between us. The car behind me slammed straight into the back of me and the rest followed suit behind him.
In my case though, even though I had not hit anything, the insurance decided to do a 'knock for knock' and I had to claim on my own policy and lost my NCD.
I argued it until I was blue in the face but they insisted it was common practice in such circumstances.
The alternative, which I have done successfully twice, is not to involve your insurers at all and make a claim directly with the insurers of the other party.