nark: i ask my frends whose pro at car accidents
he say if u already reported to ur insurance company and they send u the claim number also u paid the excess fee. then when the court day comes u show the magistrate ur documents from ur insurance company. it will be the insurance's fault for not paying up.
if u didnt have claim no.s and didnt report, and the other party does not have witnesses then u can defence for urself, saying that u wasnt reversing while the black car impacted with u, argue that the black car should take full responsibility for it since ur car wasnt moving in anyway. say u were just parked there talking on the phone. but if the other party got witness, then most likely u will lose. otherwise the magistrate will either make u win or both at fault-"to deal between u and the other party".
why it took so long to proceed what happened 2 yrs ago due to maybe the other party repaired the car themselves and now claiming back there money, but this they have to prove that the invoice day was like 2 yrs ago.
I hope U are fine Inark, i pray for you:)