1.would the expert report from my insurer that there was no damage to my car help.
2.the witness claims that I was driving in the right hand lane of a dual carriage way and the other party was travelling in the left hand lane .the claimant (according to both the claimant and witness) cut across my lane in front of me according to the witness and the witness does not claim to have the seen the collision itself .
the witness apparently was behind me just saw the other person cut across me ..
3.I also reported the incident to the police as soon as the insurer contacted me .
I am not worried about driving without due care and attention as they themselves admit that they cut across my lane from left to right they made the maneuver. The accident even if one accepts the claiments account did not result in any significant damage at all and only occurred because of their maneuver .
I am more worried about the failing to report allegation that may be laid
can I make a defense that
1: I had nothing to loose by stopping or reporting , as I had full comprehensive insurance with no claims protection , so no financial incentive. I reported the incident before the police contacted me i.e on the 22nd march they only contacted me in may
2. there is no damage at all to my car , so I could not have known
it is a large Mercedes suv .
I do appreciate your frank and clear opinion , prefer that once more for the last time
if I have to plead to some thing though pragmatically I prefer the no due care and attention rather than failing to report which is worse would that be possible