I was driving down a narrow country lane and a big tractor was coming towards me. I'd just passed a drive so went to reverse into it, then I hit a Land Rover Discovery behind me (or he hit me, I will never know). He never beeped his horn nor tried to reverse. We exchanged contact details, I said if the damage was not too costly I'd rather pay for it. He never gave me his details but his partner's. At home I discovered his MoT had run out a week previously and he was not on his way to a pre-booked MoT test when I reversed into him. Where do I stand legally? Would insurance pay for the repair for his cracked front bumper? Or would they use the lapsed MoT to get out of paying? The damage to my Renault Trafic is £580, my insurance excess is £350. The driver has been away on a trip and was supposed to get in touch with me a week ago and never did. I don't want to deal with his partner as she became hostile when I mentioned the driving without a valid MoT. I did report the "accident" to the police the day after it happened. What should I do next? I'd rather pay to get my car fixed than claim on insurance.