Hi , wondering if anyone has any advice or can answer my questions.
I am 17 and passed my driving test 2 weeks ago , I'm fully insured. I was just about to drive out of a toyshop car park last week barely going 5mph when a car out of no where crashed into the front of my car on the drivers side, in the car I had my mum and two little sisters. Immediately I got out of the car and took pictures , also rung the police who said they cannot do anything as no one is seriously injured. At the time the boy admitted fault and passed over all his details , even asked if it was possible to pay me outright for the car and damage . However now having spoke to his insurance is now not admitting fault and has tried claiming I was the one who crashed into him , when that's clearly not possible due to the damage of both my car and his as well as the photos that I have taken. We are claiming damage to the car as well as injury as my mum suffers from spinal problems and since has been in agony with her back ,neck and legs which we have been to the hospital for as well as myself having sore ribs, back pain and leg injury .An investigation is currently going through the insurance however the solicitors who are working on our behalf have sent us a letter describing their policy and what is likely to happen but within the letter they are stating that i may have to make payments called 'disbursements' this includes paying for medical reports which could cost up to £1,000 aswell as GP reports and police reports can we claim this back or will we have to pay these fees as we simply cannot afford to pay them.
I am 17 and passed my driving test 2 weeks ago , I'm fully insured. I was just about to drive out of a toyshop car park last week barely going 5mph when a car out of no where crashed into the front of my car on the drivers side, in the car I had my mum and two little sisters. Immediately I got out of the car and took pictures , also rung the police who said they cannot do anything as no one is seriously injured. At the time the boy admitted fault and passed over all his details , even asked if it was possible to pay me outright for the car and damage . However now having spoke to his insurance is now not admitting fault and has tried claiming I was the one who crashed into him , when that's clearly not possible due to the damage of both my car and his as well as the photos that I have taken. We are claiming damage to the car as well as injury as my mum suffers from spinal problems and since has been in agony with her back ,neck and legs which we have been to the hospital for as well as myself having sore ribs, back pain and leg injury .An investigation is currently going through the insurance however the solicitors who are working on our behalf have sent us a letter describing their policy and what is likely to happen but within the letter they are stating that i may have to make payments called 'disbursements' this includes paying for medical reports which could cost up to £1,000 aswell as GP reports and police reports can we claim this back or will we have to pay these fees as we simply cannot afford to pay them.