Dash-cams, taking care in narrow lanes and being able to stop before a collision will provide enough evidence to prove a driver's innocence in any subseqent insurance claim which will avoid the possibility of a knock for knock situation. Never risk damage to the driven vehicle without involving the third party unless personal injury is likely to result. Modern cars flatter the most inept driver until things become difficult. I have seen little if any evidence that drivers of either gender under the age of 45 have any sense of what could happen as a result of excessive speed in inappropiate places, driving standards have deteriorated but I have no doubt that this has been said by older drivers in the past .