Involved in a collision, Looking for advice on what to do next:
I was stopping at a giveway on a T-junction. Another car turns up the up the road, but cuts the corner! (I use this junction everyday and see this alot). We collided, my front right bumper to his right rear quarter, infront of the rear wheel.
After clearing the junction (forgot to take picture before moving off), we had a chat. I said he cut the corner but he was addamant he did not. He suggested i seemed reasonable, we could 'go through insurance, or sort something out'. We take photos, and exhanged phone numbers and first names only, as he was in a hurry.
At this point I dont think i was over the give way lines, but i was close to them. If i was over then it would be my fault 100%? if i was behind the lines it would be his fault?
There was no (solid) witnesses, but im waiting on a nearby business to see if their CCTV footage to shows my vehicles position.
Damage wise, my vehicle it was only superficial, £100-200 tops which im more than happy to take on the chin. His vehicle had a much worse damage, possiblly sructural. I am dredding him telling me to cough up £400-£1000. Need to check what my excess is but I will consider loosing NCB and suffering a premium hike.
Then... the plot thickens:
shaken, I get home and run checks on his numberplate.
DVLA - MOT expired Dec 2020!
DVLA - Tax expired Dec 2020!
MIB - Vehicle is not insured!
Does this mean the driver is not covered? There werent any trade plates.
If he asks me for money do i tell him to get lost?
Do i ask HIM for money?
Do i invlove the police or confront him first?
Do i call my insurer?
Do i confront him about his insurance?
Have i got him by the balls or vice-versa?
Will i ever hear from him again?
Was I at-fault?
Please help.
TLDR: Collided with a car cutting a corner, may or maynot be my fault. But driver is Untaxed, no MOT and no obvious insurance.