Darkspi said..
welcome to bigger brother.
what happened to the good old days when you said yep my fault sorry! and swapped insurance details
I admit its a fair time ago that I risked melting my brain by reading all the fine print on a vehicle policy, but when I did, there was a bit that said not to admit any liability-or name your insurance company.
All you could say was "I am insured", and swap contact details and then let the insurance companies fight it out.
I can understand the idea behind not saying "its my fault", but never could work out the bit about naming your insurance company.
stephen