I was involved in an accident in a local carpark early this year. We
exchanged all details. It was a low speed accident with a P plate
driver and both cars were able to be driven away and no injuries to
anyone. As I did not hear anything I assumed nothing of it. 10 months
later an insurance company contacted me by phone asking for my address
and sent me a bill for $5200. I informed them that I am willing to pay
half but they say they are taking me to court if I do not pay the full
amount. They also say I will have to pay all legal costs if it goes to
court. Where do I stand?