I was involved in an alleged accident on the 1st Feb 2010. The initial statement and diagram process was started fairly quickly but my last communication with my insurance company was 1st July 2010 when they said the only option was split liability. I accepted this (despite not being at fault) and had not heard anything since. When I renewed my insurance in August 2010, I was told that split liability meant, I pay for the other drivers damage and he pays for mine (of which there is NONE!) . Anyway, I heard nothing until today when I got sent an email asking for a diagram from me and an explanation of where I was and when.

Firstly, is there idea of split liability correct and fair? Secondly, is it acceptable to hear nothing for over nine months and then to get in contact out of the blue like this? I would be very grateful for any ideas here as this is agony being dragged up again after so long!

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