I have searched for previous posts but there seems disagreement about this. In a “my fault” accident, is the scope of the coverage:-
(a) Damage to the other vehicle and driver (i.e. repair/writeoff costs, medical costs, compensation), as per UK “3rd Party Risks”?
(b) Just the other parties medical costs. Vehicle damage settled privately?
© Essentially nothing. Everything is down to private negotiation perhaps informally mediated by the cops, or formally mediated by the courts?
I’ve seen accounts apparently compatible with each of these, and am confused, and a bit concerned as to what might happen financially if I hit something (and/or someone) pricey.
Experiences / opinions?