yeah I had to get quotes too, then they too sent me a cheque.
when I as 19 I ran into a knights football player's car (up his backside) it was not my fault but as I was the last one to hit him I copped the blame.
the bill for my car and his was over $10,000 which at 19 I did not have so I was forced to go bankrupt.
since then I have always had full cover, I hate paying it every month but know what happins if i dont and I have an accident.
If they can drive off the road the police can not do anything but document the accident, if they cant drive off the road they could be charged with neg driving.