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I work in the industry, if you have proof the car was parked then you have no chance of it being settled 50/50. It's a fault claim on his part all day long! He's also admitted it.
You're right in saying some companies load for a non-fault claim - but not all do (We don't)
I 100% wouldn't settle for anything apart from full payment. I've heard way too many stories of this sort of thing ending with one payment being made & then being given the middle finger.
If you're happy to settle out of insurance then accept nothing but complete payment, and a written receipt.
If he won't do that, go down the insurance route without a doubt. If you explain the claims to insurers, you should have no problems. Alternatively PM me at renewal & I'll try and personally help!
Jordan
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