you should give them the old
you insure you car to cover you in the invent of a accident, you are covered for all sorts of shit, they can NOT claim from you, they have to claim form you insurance company, you pay for legal protection on your car and home insurance, use it!, they will soon tell them tight fuckers where to go, see if you can claim for the stress and burdon it has put on you.
sorry to say though, i am with the others,if you can claim for something you may as well try, whether or not you agree with claiming etc everyone else does it, why not you, sad to say, yes we all are getting like the usa, but money does make the world go round