Last time this happened to me, the car was a write off, about $200 damage to my trailer - and a new crossmember for the County - and months of my wrangling with his insurer, who wanted to write off my car and then could not find anyone prepared to replace the crossmember - and I had to find the new crossmember for them. (And I'm certain the driver was on the phone - I'd been stopped waiting to turn right for about two minutes.)
The one before that, when I stopped for a blind pedestrian, was more like your event - some white paint on the towbar, and her bonnet crumpled up against the windscreen.
John
JDNSW
1986 110 County 3.9 diesel
1970 2a 109 2.25 petrol
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