I understand that a lot of cases like this are pushed for 50/50. Roundabouts are usually 50/50 frustrating as it is. My friend has been in a similar situation, she was hit by a bus who just pulled out infront of her- and they settled 50/50. I think your insurance company would push for court if they believed you had a good chance- but they prefer to settle before as it offers a degree of certainty and reduces the cost e.g. employing solicitors when legal proceedings have been issued. I am going to court next month for a RTA and I am not guilty- but the stress is immense- I sympathise with you. Push the insurance company and when you re-new your insurance change companies if you are unhappy.