I don't have a witness. In the case I described earlier, my wife had witnesses and even the police sided with her and still she lost all her NCB and excess. If I go down the insurance route and get stung, it would be bye bye Impreza. I'm NOT taking that risk. ACS, as far as I know, will pursue the insurers of the guilty party without ever invloving my insurace. What I have in my favour is Her parking her car next to mine on CCTV, her examining the damage to my car on CCTV AFTER she was told about it by the car park attendant and I have a text message from her with her name and address and admittance of liability. STILL I do not trust the odds!