Hi and Thanks

The people in the car are friends one of which I was driving home, the other witness in the oncoming car is independent I've never met him before and he was wit h me from the moment the accident happened.

They seem to be implying I somehow drove the car with no clutch? I don't know how this would be done? As when the clutch did go I ended up in a wall. They said the cable didn't snap it was disconnected, I asked how this would be done and they said someone would have had to do it from underneath the car?! They said their engineer did not believe that the connection could have loosened over time, I'm so confused about it all are they accusing me of fraud?! I feel like I'm being interviewed by the police every time I make a phonecall to request further information. :(

Hi I had to ring them again this morning as still no communication from them, I have no been told that the car has been relocated and I am not allowed near it pending investigation. I have been told that if the cable has just went as described the casing enclosing tthe connection would have exploded?! And that the mechanic who towed the vehicle from scene of the accident told the insurance company that he believed the cable had been disconnected manually. They are now sending it to a dealership to have it stripped down to check if I drove the vehicle without a clutch to the scene of the accident, as they said it will show wear and tear, if I have previously forced the gears without a clutch?! Jesus I don't get this this I'm really upset now, are they saying that everytime in the past 5 years of owning this car and where I've scrunched the gears is going to end up with me being accussed of lying?! I have asked if they believe I manually disconnected it and they said they were not saying that?! But had I been coached in anyway to drive a car without a clutch? I said obviously not or I would not have ended up in a wall. But they may decide that they wont pay out and then I will be contacted are these people accusing me now of fraud?! I'm scared and confused?!

Thanks again, they say that the car can be driven by reving the engine and forcing it into gear. And asked if I had been coached to do this by anyone. I just hate feeling on edge like this, I'm currently unemployed so I don't even know if I can seek legal advice, due to cost or if I'm entitled to any legal aid. I obviously won't hear anything from them over the weekend, so I'm just going to have it hanging over me now. :(

This is my worry up until they informed me that it could be driven without a clutch I wasn't aware of this, I just don't understand an awful lot about the mechanical stuff they are talking about, all I understand is that they are implying fraud. Now I feel like I'm going to be dragged to court over something I know nothing about and will probably no longer be allowed to get insurance from what I've read on other websites, I'm totally confused over it all and have spent a week now crying firstly because my car has been damaged but now because I seem to be being accused of fraud and have lost my car and any possibility of getting another one.