in all honesty... i wouldn't say they would chase it that hard... im not sure what the small claims limit is but if it is over that or just under they won't chase it cause it will cost them more to chase than they would get out of you. thing is... here we are 14 months later and you have a new insurance policy, and why would your current company pay out, so they will want YOU PERSONALLY to foot the bill... tell them where to poke it in my opinion... write them a letter stating at the time if they had informed you that there was damages to be paid you would have claimed on your insurance, b