Trouble is with insurance companies nowadays is that if you do not have any independant witnesses, they tend to go for knock for knock and you both lose out. 2 years ago my wife had another women driver just pull out in front, and into my wife's left wing on a dual carrigeway. The other women was very sorry and admitted it was her fault etc. etc. When my wife went to claim against her the insurance said it had to be knock for knock as there were no other witnesses.