Some loser banged into the back of me. Both pulled over and exchanged details but the insurance company couldn't find him nor can the police. Would have cost me £85 in some back ally place (there are a few near me which are quick and reliable) but because it wasn't my fault I took it through the insurance. £400 exess gone and add another £400 to next years insurance. Life isn't fair lol.
Stupid thing is I know where the guy lives but can't do anything because I'd get into trouble from the police!