I have recently been involved in a car crash where a third party hit the passenger side of my BMW M3 whilst coming out of a side road which has a give way sign and double hatched markings without stopping at the junction. Whilst he admitted liability on the scene, the company he works for have since then refused to accept liability.

Admiral, whom with I have a full comprehensive policy, put me in touch with Albany assistance to arrange a 'like for like' vehicle. I contacted Albany and was told that without an acceptance of liability they could not arrange a vehicle... fair enough. 2 days later I recieved a phonecall from Albany who informed me that they are now willing to organise a replacement vehicle on the basis that the third party have admitted their vehicle was coming out of a 'give way' side road and they are making an exception based on the fact that they feel this claim is only going one way (my way). He told me my vehicle comes under the 'prestige' car group and thats its unusual for them to provide such a replacement vehicle but that he would be willing to get something of a similar size albeit without the power/specifiaction of my M3.

Now, since reading some older posts on here I accept that what I said next may not bode well with some people... especially since Albany's seem to have quite a bad reputation for excessive daily hire costs. So basically I said that no this will not suffice I require a 'like for like'. He asked me why and I told him that im paying a lot of money for a vehicle that is undriveable becuase of a third party driver who has failed to obey the laws of the road at my expense. I stand by this statement.

Regardless of the unconfimred liability issue, I am now reading that even IF, the third party driver has to pay for all the damage/losses I incur, his insurance company can refuse to pay hire costs which are from memory over £200 per day.

I am entering into a credit hire agreement with Albany. Whats the worst case scenario here? I understand I wont have to pay out for the hire costs myself but what costs could I be liable for? If Albany suggested a lesser vehicle and I turned it down, can they use this against me if they are unable to recover costs?

cheers

jesse