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how can I help with this please?
I can't possibly tell from these facts but isn't the problem anyway that you were uninsured.
If you were uninsured then you are liable to the MIB who would have had to deal with the claim. Just for a smaller amount.
Can I clarify anything for you?
Like I said, I can't possibly tell from these facts whether you are responsible or not.
But since you were not insured you are liable to the MIB.
The claim that they are making against you.
The MIB would have had to deal with the claim because you weren't insured. You are liable for that.
You won't be prosecuted now. They are out of time apart from anything else.
The only consequence is that the MIB would sue to recover their claim and they will succeed.
You can get a lawyer but it would just rack up costs and there isn't really a challenge here.
The MIB should have given you a figure?
Then make contact with them, explain your version of events and hopefully they won't settle the full claim. It depends if you are responsible for the collision or not.
You will end up paying something though by virtue of being uninsured.
It does sounds as though you are liable for their damage I'm afraid.
You weren't prosecuted because there wasnt really careless driving but that doesn't change your liability.
No problem and all the best.
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