I always go fully comp for these very reasons, had an accident 20 years ago & it took 1 year to sort out as I was 3rd party only & had to have my own solicitor as insurance didn't really want to know same as you, last month a young lad on a scooter decided to throw his bike under my bumper & did 2k damage, Direct Line couldn't do enough for me & I have the leagal team on my side for