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I had a car crash about 3 months ago ad i have received a letter from the insurance company saying they recomend proposing settlement on 50/50 basisi still think other driver was to blame whats best to accept the proposal?will it mean my insurance will go up next year even if i pay to get the damage on my car fixed myself thanks x

If there is one person not to go for advice it is not your insurance agent a useless bit of advice that it is . what the fifty fifty means is the insurance companies cannot agree who is to blame and are willing to settle the calaim on a a 50/50 basis each paying the own client. in the circumstances your premium will go up next time but it will only go up for one year. if you agree to the proposed 50/50 deal you can say so and you may have to proceed with the claim of who was to blame yourself and pay costs so only you can decide if you think you will win and save £70/80 on next years premimun dont agree with the proposal however if you lose your claim it may cost £2000 on top of that it is your personal choice imo i would settle . dont take advice from your insurance agent he actually may work for the insurance companies involved indirectly and any advice he may give would or could be a conflict of intrest