I was knocked off my bicycle by a car driver. He stopped and offered to pay for damages. My phone was broken in the incident. He says that his insurance does not cover it, and he is only willing to make a small contribution towards a replacement.
But I thought that this would be covered by his 3rd party insurance, since it is damage to third party property. Can anyone shed some light on this please? Thanks!
(Note, this happened in the UK)