While I've been fortunate to not have to go through this, I have heard horror stories of insurance companies dragging their feet about paying claims. Just because you're in the right and entitled to compensation doesn't mean they're going to be in any hurry to pay up

The best advice I can give you is to keep very very good records of conversations, and copies of correspondence and of everything you submit to the insurance company, as well as copies of police reports, the purchase receipts for your bike and your helmet, your medical bills, and anything else that you may need to rely on to substantiate your claim.

And don't sign anything you don't completely understand!

Best wishes, - Jo.