Hi All. First post here, but a long-time reader – thanks for all the great insight.

A sad reason for this post – driving home last night, I was involved in quite a serious accident. I was driving on a West Country lane - around the outside of a curve. My view ahead of my lane was clear, but my view of the oncoming lane was obscured by a hedge and the tightness off the bend (perhaps 40 degrees). Out of nowhere an oncoming car travelling at high speed struck my drivers-side wing with his front drivers side corner. I had no time to see him and react, so could not brake. The first I knew was the airbag in my face and my car juddering to a halt, as it spun to the side of the road.

Whilst the road doesn’t have a white dividing line, it’s plenty wide enough for 2 cars – or even larger vehicles. The cause of the accident was the other driver being in the middle of the road, rather than the inside of the corner – and travelling at very high speed.

I’m fortunate to have escaped hopefully without any long-term injuries, but I suspect the car will be written off – and I really don’t want to be penalised for someone else’s recklessness. The other driver seemed dazed and has not (as far as I know) admitted liability – he was very sheepish about the whole thing. We both tested negative for alcohol and are licensed, taxed and insured.

I took lots of photos and video of the scene – and hope an expert could establish from the resting places of the vehicles that the other driver was in the wrong place (even having been knocked back and spun, the front of his car was still in the middle of the road). What would you recommend? Should I write to the other party (if my insurer agrees to this) to say that I’ve got photos and video and will use these to prosecute unless he accepts liability?

All feedback very welcome.

Thanks all – and watch out for the crazy drivers out there...