Got insured, driving about today, was going a little too fast admittedly but someone misjudged my speed and hit their car pulling out of a junction. I hit their passenger wing and door, taken out the bonnet,bumper and wing. Forced the wing back and something suspension wise is somehow bent, car was dragged into my work.
Phoned insurance companies and apparently I was only covered lowered 50 mm, it was lowered more.

so dunno but I think I'm screwed.
Neck is aching, was a really solid knock, the Astra I hit was on a pickup.
Worst birthday ever, photos in a bit.
