It shouldn't matter what you have on your policy, you were hit by a 3rd party so their insurance will be covering everything. I was in a non fault accident just over a year and a half ago where a fella decided to play chicken at a set of crossroads, and it's still ongoing and nothing has been settled yet. I think you have 3 years to submit a claim before it has to go to court which is probably why they are never in any rush!