It seems that the 3rd party ins. co. in my minor altercation in July are suggesting that I'm 25% responsible for the accident. Apparently I "should have known" he was there and planning to jump the red lights, aiming very accurately for the side of my motorcycle. Ultimately it just makes this long-winded process even slower. Fortunately they're now set to feel the wrath of the only witness statement to the accident, which just happens to point out that I'm entirely blameless. Why didn't my insurers furnish the 3rd party with the witness statement in the first place? <fx: disbelief> At this rate it'll be a miracle if I have a new bike by New Year.