I wrongly thought that insurance companies were working in
your best interests and that by having the legal insurance cover, that they would fight your corner in case of a non fault accident.
That understanding was dented when having to deal with my mother in laws damage to the car incurred in a car park (she was not in the car), where a driver drove into the car in front of witnesses and then drove off.
Witnesses left notes, insurance / Police involved, but 6 months later no progress except for my mother in law being out of pocket for the excess as basically, if the other insurance company is not playing ball, there is nothing you can do. You can not hurry them along, and your legal insurance is worthless.
In addition to that, reading / learning that the insurance business is really a business where they will take the path of least cost to
them. That includes going 50:50 even though you are not at fault at all, but it is cheaper for them to settle.
Based on those events I thought it would be safer for me to at least have a fighting chance to get some justice.
Does feel funny on the very first trip with the camera working that it films a police car going through a red light at the railway station just poodling along and I have to stop crossing the road as that car is right in my way

)