To Stubie-One and Dacouch

Thank you ever so much for the information. I will bear that in mind. After over 3 months of this sh*t, I'm really fed up and have decided to just go ahead and pay the execess to get things moving. My insurance is due for renewal in 2 months time and I can't afford for this claim to be unresolved by then.

On another note, after make another complaint to Sheila's Wheel (this time to the complaints department), the supervisor has contacted me and taken responsibility of my claim. She's even agreed to request and pay for the police report in writing as a good will of gesture. This will speed things up a bit more.

Again, thanks to everybody that has replied and offerd advice. Very impressed with you guys.