Did you receive payment in full from SPER or did is he slowly paying you off? i just had my mechanic around and he said need rebuild and hes quoting all damages for me and also he mentioned he had a mate who was involved in an incident that he had to pay people money from accident and the people were payed straight out and he had to pay it off to some organisation (Noone was insured as well like my situation), i need to find out that organisation let them know how much through court then get culprit to pay them off so i can repair my car and i believe i should be able to claim downtime on not having a car in the meantime which is affecting my job and life.