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Welcome to JA.
I am sorry to hear about your situation.
Please note that this is not a chat service therefore you may experience delays but rest assured that I will respond within 24 hours.
There are a number of ways to find out about the accident.
You can contact the police as they may have a report which includes accident circumstances given by the other driver and witnesses.
You can ask your insurer to provide the evidence they have which led them to the decision on dealing with the claim. They should have something because the insurer will usually fight your corner unless they have convincing information that you caused the accident.
You can also return to the accident scenes and ask around if there are any cctv footage of the accident in question.
I hope I have clarified the position.
Thanks and stay safe.
Thank you again for visiting JustAnswer, please let me know if you need me to clarify the answer given.
Thanks and stay safe
Yes the insurer can do this and may already have this information.
I don't think so but every insurer work differently therefore my advice is to contact your insurer to find out as much information about this incident.
Thanks for your follow up.
Unfortunately your follow up is out of my expertise.
Therefore please open a new question and another expert will consider the same shortly.
Your welcome and stay blessed.