My husband backed into a car that was illegally double parked behind him in a car park. He left a note on the car after the car accident, and the owners contacted their car insurance. Our car was minimally damaged, but they claimed around $700 damage and the car insurance company has sent us several demands. We have been told to just pay the claim by our insurance company but they seem disinterested. Can we claim diminished liability as their car was parked illegally and thus contributed to the accident, or is it all our fault as he caused the accident by backing into their car? I am irritated that we can't seem to get someone from claims at our insurance to give us some straight information about this. What happens if we don't pay - do we need to get formal legal advice or should we just pay?