Ludite, I would do exactly that, but for the fact that I don't want to appear too heavy. They are the gf's neighbours, she has a good relationship with them, they are what you might call a bit 'chav' but basically, very nice people. They have 3 'laddish' boys but as a family they are pretty good to live next to, and Marion, the mother, is the local lollipop lady and looks after Annie's 4 cats when we go away, not infrequently too, I might add. Steve, the father, is a local farm manager and the salt of the earth. We often hear them all swearing at each other through open kitchen door (
) but they are nice people, always have a chat with them.
I think the way I'll play it is: Marion will be in, boys will be out. I'll have a sheet of paper with all the relevant details on, date, time of accident, my damage, my details etc, because he will have lost/forgotten it by now. I'll say to Marion 'look, I think Andy forgot to contact his insurance, mine are telling me he hasn't reported it. It's fine, so long as he does it now but if he doesn't they're saying they will take him to court to recover my excess and to make his insurance pay. He must do it now or he will get into trouble. Here's all the details in case he forgot'.
That way I kind of get over the true enormity of it without it sounding like the threat is coming from me. I leave him an escape route by offering that he might have forgotten. Of course, if he doesn't, he will get taken to the cleaners, so ***** him!
Pretty sure Annie witnessed him admitting to the accident too, a few days later when we saw him.
All a pain in the arse though!