The car my son hit was worth no more than £1500. It was lightly damaged but written off. The car hire costs (of a far better car) were way more than the value of the damaged car. The injury claims were bogus and all the other costs, over £23k were inflated.There certainly would have been letters threatening the legal action before he got the court date but he didn't even read them, just discarded them. He is waiting for a call back from someone in the legal department to discuss a payment plan, they are looking just shy of 8k from him.
That gave me a far better position to challenge.
if you write off someones decent car and/or someone ends up seriously injured it’s difficult to avoid the need to pay something or to challenge costs in the court.