Lucky you weren't on a bike and got squashed.
Just shows you never know whats out there.
Hope you can get it sorted without too much cost.
There is a system where you can claim against uninsured drivers, or drivers that dont stop or give false names and addresses. Dont know how it would effect your ncb, but might be worth having a word with someone. Think all the insurance companies put into a fund, so they can pay out.
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