Thanks for all the comments. I mostly just needed to vent. I don't have the time and energy to take it further. I am, however, moving to another Insurance company. My current insurance will pay for my damages, I just have to pay the excess myself.
In response to some comments:
Sorry, there's no pictures of 'said girl'.
Why was I in Hatfield? Had some business @ Hillcrest Shopping Centre, couldn't really avoid Hatfield from where I was coming.
Yes, insurance is a joke, can't stand them! Same with Medical Aids. Stupid to live without it though...
@Havoc → Luckily this description isn't the same as the one I gave to police. This one is just me venting, had to go back several times to add data that I forgot; this probably caused things to get messed up or "dodgy".
Thanks for the info, Fivel, but like I said, I'm not up to all that trouble now.