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Re: Insurance advise

I'm glad to hear that you are okay - protective gear is indeed a very good idea when you have to ride in traffic. I'd make sure to give a complete written explanation of the accident to your insurance company, and since nobody bothered to stop, try and match your story to the police report. It seems to me that if they are consistent then you have a good argument for claiming that you were not the only one at fault here.
 
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