I was involved in accident back in jan, I was at fault, only 10-15mph tops, gave statement to my insurer 4months ago and not heard nowt, just got papers through about man who is claiming, his medical report and car cost repairs, I didn't claim on my insurance only number plate cracked and some scratches, but these papers are talking about court dates and how I'm going to pay!!!??? Surely my insurance would cover costs??, I'm fully comp, 11yrs NCB. I'm really concerned!! Any advice before I call in morning???? Thanks