Please help - just had a bump.
Have posted this in 8L as well so apologies if you have read it there.
Sorry very naive about these things. Just had my very first ever bump and wondering where I will stand insurance wise. Situation was this - coming up to a roundabout behind another car. The entrance splits into 3 lanes, the left hand of which is to filter left off the roundabout. This left lane is marked to continue straight around to the left i.e. no markings to stop. You are supposed to go straight round to the left. The guy in front approaches slowly and then moves off in the left lane. I briefly look to the right to make sure no one is cutting into the lane and when I look back he has slammed his anchors on for no apparent reason and I went into the back of him.
The guy did not speak very good English and didn't seem to understand what I said about the road markings. I think he was trying to say he stopped because of another car, but if so I didn't see it. He did say it was his sons car and that he was on his insurance. We swapped details and left the scene.
Getting home there is definite damage to my car as the bonnet won't go down properly and one of the headlamps is pushed in slightly.
A couple of questions - where do I stand regarding insurance? I haven't admitted liability at the scene, but will I definitely be liable because I have run into the back of him. The police weren't involved - should I have called them?
Sorry - so naive about this and wishing I knew more.
Any suggestions gratefully received.