I take it you hit something else which is going to claim off you, rather than a random bit of scenery.
MS-PAINT!! (Photoshop...but worse skills than paint)...
Red block is a White Van (Don't I pick 'em), and the blue thing is my 205.
The road was a 50, then dropped to 40, so I did. The van overtook me, so I 'waved' as you do. Only he decides to stop, I think...'poo'...white van, somerset...this could be bad. So I think, I'll just drive round him and be on my merry way...but I don't pull out far enough, and wang the car into the van....balls.
I finished my manoeuvre. Got out, walked back to his van, and whilst almost dropping a brick in my trossies 'cause he's a big block and shouting for a fight, I calmly say I'm sorry, it's my fault, and the insurance will sort it.
He calms down after a bit of talking, and he has a go at me 'cause he was on the way to pick his wife up 'cause she's ill...blah blah blah, I then say I'm on the way back from my mate's funeral (100% true, I was on the way back from it...and feeling crappy), at which he instantly stops being a nasty Somerset man, and is nice.
Swapped details and he should be calling me later...and if he decides not to go through insurance (to sodding late I called mine

). I'd rather be honest with my insurance company than some idiotic van driver (I too am idiotic, but am a car driver, so it's ok

).
InvG