I would have phoned the police.
Could it have been someone elses car? Had she been drinking?
Why leave the scene unless you’ve something to hide.
BIGGEE:
How good is the road hawke camera and is it best one to get ?
Good, and no.
Plenty of decent alternatives around these days for less money and as good and often better quality.
An insurer cannot refuse a third party claim on the grounds that their policyholder admitted liability. But what they may be able to do is sue said policyholder to recover their losses (because the making the admission would be a breach of the Ts & Cs of their insurance contract). Likewise having no MoT, no business use or any number of other things that might be said to invalidate your cover - they can all cause the policyholder grief (and significant financial loss), but do not put a bar on third party claims.
Bottom line is that it is usually a good idea to have an admission of liability from the other driver. If nothing else, it sets the tone for any subsequent legal proceedings and provides a starting point for negotiation. But it is fairly low on the list of priorities - of much more importance are details of any witnesses and evidence from the scene (such as skid marks, position of debris and photos of damage and vehicle position - assuming they came to a halt at the scene).
I’m surprised you weren’t arrested! That seems to be the Police default position at RTA’s these days!
Harry Monk:
Yea, it will be in the small print. What the finer points of admitting liability are is something I don’t have the time or the inclination to check, it’s just sufficient to know that it’s a Golden Rule that you never admit liability, even if you run a toddler over on a zebra crossing while six times over the drink-drive limit and with four bald tyres and defective brakes.
If you admitted liability at the roadside in error, then you don’t have to admit that you admitted liability.
Besides, a roadside admission is not legally binding, and in the end it is the evidenced facts that will determine liability. Obviously, making a roadside admission can never be in your favour if you later decide to dispute liability, but it is not fatal to your claim.
As for insurance company small print, there are restrictions on the enforcability of certain types of contract terms. If you run a child down by failing to stop at a red light, and then get out in shock and say to the horrified mother “I’m sorry, it was my fault”, your insurance company cannot penalise you financially for that, either by reducing your cover or passing on the costs of the claim to you.