>> but she says the cars never touched

Any witnesses ? Did she stop at the time ? If

there was no collision, why did she stop at the time

? If she did not stop, then has she said anything

at anytime different to the story she's given her insurer ?

>> My insurance company now says that to progress matters I

need

>> to get the damage repaired so they know the cost

they

>> are trying to recover

A major point to make is that if she sticks to

her story, then you will lose. Even if she were to

concede that the collision occurred, then you'd have to prove it

was her fault. And I suspect that this incident was in

traffic, so you'll struggle. And if fault is anything other than

100% hers, you will lose your bonus.

Is there any physical proof of the collision ?

Unless you have more details about conversations at the time of

the incident, or witnesses, then its not a good outlook.

Frankly I'd probably cut my losses and withdraw my claim if

I were you - and your insurer should allow you to

do so since as she says there was no collision, it

will not result in a later claim for them. Uless of

course it has already cost them money, in which case they

might be funny about it.