I have been involved in 3 rear end shunts over 6; years, sh:t happens but all 3 did deals at the roadside or police station, with the help of the insurance accessor, a boy 18+ gave a statement to the police when it was clearly a female driver, the accessor told me it's all sorted or it's an uninsured loss, I explained to him that this is why you are do busy uninsured inexperienced under age drivers.