[.:4:.]

So possibly irrelevant, but maybe relevant. Years ago driving to work i got can opened by a tray back ute in the work van. So not at fault. When exchanging details etc, yes i let him photo my licence but gave the company contact details as it was not my van. Got his personal details. So he was not insured and when he pled with me not to go through insurance, well, not my car, not my call.
So my then work went through their insurance and not only got the repair bill out of the bloke, being a vehicle that facilitates income also got compensation for loss of income with the van being off the road.