"John - we don't know what we don't know. If one party decided not to be fully honest when seeking advise, then they get advise which doesn't really apply - there is nothing we can do about it. My advice is purely on the information available here on the forum. If you think it is incorrect based on whet we know, then I am happy to discuss and admit I was wrong (like 6 vs 3 month deadline). But otherwise I am just taking it on face value, because as you say we might not know all the details and we don't want to know all the details"
Linas, I agree in general with what you have said, it is just that I would not wish to offer any comment until I knew the full facts of any case.
Just as an example-----what if the OP`s car had been cloned? The Insurers would not know that and neither would the OP.
Let us hope that in the fullness of time, the OP let`s us all know the outcome of his current dilemma.
Regards
John