[alantf]

It seems to me that everyone would benefit by using the Spanish system. After an accident, one of the drivers produces a copy of the accident form. One driver fills in the yellow section, one fills in the blue, common information goes down the centre (white) a drawing of the accident, and a description of what happened. Both drivers then sign it, so that it becomes the story of the accident, unable to be changed if one of the drivers subsequently changes his mind. Each gets a copy (carbon copy underneath) & can then make a photocopy for his own files, & send one to his insurance company, who then can't back out of responsibility. If both parties can't agree, then the police are sent for, & will make an immediate decision on blame.

[attachment=0:23h6mw6g]img012.jpg[/attachment:23h6mw6g]