on my way home. was on dual carriageway and in stationary at traffic lights. was hit back from another stupid driver, driving a toyota paseo. a truck pulled up and said the toyota driver was on his mobile phone.....
at the scene of the accident i rang police, was told to move cars away from the dual carriageway and exchange insurance details.
so the toyota driver crashed into me from back while i was in stationary at traffic lights. who is to blame?
should i just buy another second hand bumper and stick it on? or what will insurance do for me?
this is my first time being invloved in accident since i've passed my drving test. i have 4 years of no claim bonus.
should i tell my insurance company about this accident? will they put up my insurance premiums? what will insurance do?
any advice would be great!