Many of us have trouble accepting that they could possibly be to blame for an accident. This is particularly true of elderly drivers who have '40 years unblemished record' or those who have passed an advanced driving course. I remember to this day a claim form which stated ' this accident was not my fault - I am an advanced driver and he should not have stopped in front of me!' (This driver had just driven into a stationary car.)But the truth is that even the most careful of drivers can suffer a moment of insanity. And of course we've all met drivers with an aggressive or exceptionally timid driving style which is just asking for trouble on today's overcrowded highways.When you report to your insurers, tell them the whole truth! It is OK to admit to your insurers that you were to blame. They will not thank you if you bend the truth to try and make out that you were not to blame as they are liable to try and deny claims made against you, lose and thus increase their costs. They would much rather you told them simply and clearly what happened than invent a tale that might make you feel happier but will set them on a protracted and expensive dispute they can't win. e.g. ' I drove out of the side road without looking and was hit by the other vehicle' is definitely preferred to ' I stopped at the junction and looked both ways, the road was deserted so I pulled out when he hit me. He must have been driving well above the speed limit and it was entirely his fault'