Hey. So in a few weeks this will just be a thing you've experienced, so remember that nobody was hurt (well, you were a bit but it sounds like not too badly), and these things do happen. It's fairly fortunate that everything remained civil throughout. And what Xen said about nice people. How nice! Plus, didn't you say you were feeling like your car was starting to get a bit wonky now? Well that one's solved at least, because yes it sounds very unlikely to be worth repairing now.
From what you said it does sound like their fault - you shouldn't overtake people turning left anyway unless there's a whole overtaking lane to allow it. Here's something, you've already written it down here but get ready to write it all out slightly more formally for your insurance. As much detail as possible, but removing doubt over things like indicating. You did indicate! Basically it's now your insurance company's job to look after it, and their insurance company to try and weasel out of it most likely. If it comes to them admitting fault then their insurance ought to cover all your costs and courtesy car type things. And you'd not have to worry about no claims bonuses and so on (is yours protected, anyway? That's often a thing). Their insurance may try to push for a 50/50 split of the blame but I can't really see it - they drove into you from the back, pretty much.
> The first settlement offer for your car will probably be low - research what it's worth, with as much detail on model and year as you can. If they say £2000 and you can point to the same thing available for sale at £4000 at a dealer somewhere then you have the ammo to make them do better. It unfortunately is a negotiation thing from the start, they won't volunteer lots of money easily.
> Their insurance will potentially persuade them to not admit fault throughout unless they absolutely have to
> Independent witnesses would be useful for the above point but it sounds as though that's not happening here. So you may find it's a bit of a battle for the fault thing but it's your insurance company's job to fight that, you just have to stick to your story and be clear. The damage ought to show where the impact was and lead most of this anyway.
> I don't think the police need to get involved in things like this so don't worry about that, it would probably only have complicated things.
EDITED: 1 Apr 2015 09:07 by MILKO