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I find myself in a right pickle and hope somebody here mey be able to offer some advice. On Remembrance Sunday I was driving home with my 4 children from the new village playground we had gone to check out. It was quarter to 2 in the afternoon and the day was clear and bright though cold. At 2.30 a remembrance sunday parade was starting in town. I was driving down the residential A road with houses on each side and side roads that coming out of onto this road I was on you always have to give way. There are 2 roads coming from the right about 0.20 miles apart, one has a hump before, the other does not but always has cars parked on the left. I remember that I passed over a hump and there were cars parked on the left so I had to go on the right side of the road to avoid the cars. I saw at the junction a car waiting to pull out of one of the side roads. I proceeded to move past this car moving to the right lane of the road to avoid parked cars and before I cleared the junction I heard the crash when the other car drove into me. I stopped and said 'Look what you'd done to my car' and she said 'sorry, sorry, my insurnace will pay for this, I take full responsibility. The children were with me, I checked them over. She was very keen to go she told me she had to pick her own children from somewhere. I was never in accident before so did not really know what to do. She gave me an old letter with her address on, found out car registration number. She told that 'she did not want to seem rude but she has to go'. She sped away and I took the children home in shock. Since then the car has been written off and on top of that, now she changed the story and claims she is not to blame. At the time I did not see anyone on the street and there was a car passing but it came some time after the accident so would not have seen anything. I had to move the car to let it go. I was so in shock that now thinking about it I am not sure at which junction the accident took place. I thought it was the first as it had a hump before and I was was slowing down for it and to avoid the cars and did not go fast. But now thinking about it I cannot be sure that it was not on the second either. I simply cannot tell, I was in such state of shock. The insurance company wants me to write my version of events but I am not sure how to approach it. I am extremely frightened that for no fault of my own I would have to potentially pay half the costs or even the whole lot. I took some photos of both of these junctions, I will take my 10 year old son there tomorrow in hope that he can remember which one it was. I think it was the first junction with the hump in it but when I think about it there seemed to be many cars around and there are always a lot around the second junction. Any advice how I should approach it, what chances we have got in winning this claim, the fault was 100% hers. I did break down in tears today as this situation is getting me down, I was worried about the children as well as the car that took 4 years to pay off (only last Christmas) that we looked after and repaired as we live in a small town and it is essential. We haven't got a lot of money and we find ourselves impossible to afford a new one without the payment from the insurance company. Hope somebody can offer some advice.