lol, if Id had my seatbelt on Id have been killed too.

as for the employers liability insurance.... it doesnt matter what I did, I and anyone working for me is insured for any damage/loss to themselves during working hours.

Im happy to go ahead with that when I wanted to get the previous case over with because I could have lost my licence and then Id be screwed.... for putting a clame in, all I do is fill out a few forms and then forget about it while the solicitors take a year to work it all out, no risk to me

plus..... although I pleaded guilty, they still say the accident was his fault, and his insurance company is paying out for the damage to the van etc...

the way employers liability insurance works is.... I sue them for damages, then theyll go after the motorbikes insurance company to get the money back,

but more importantly the company is majorly out of pocket because I wasnlt there to run it and push it forwards.