Motor Car Accident

Late last night while driving home, I approached a junction to turn left into a minor road, a car coming from the minor road collided into my car damaging the front right section. Although I stopped on time when I saw the other car cutting into my path, it continued to veer right into my car.
The other car did not stop when approaching a major road and even did not stop while colliding with my car but continued to move for another 20 meters.
I reported to my Insurance today and was informed that this accident was classified a side-swipe. It is always difficult to ascertain who is at fault by the insurance without photos and witness. Look, it was after midnight when the accident happened. I was alone and the other car had a passenger i.e. a witness against me. I was given 2 choices by my Insurance
1. Claim from insurance. Insurance companies in this case are more likely to proceed to compensate both parties if both sides claim that they are in the right. Car owner in this case will lose the excess and the no-claim bonus or discount. It is to be penalized thousands of dollars for a few hundred dollars repair.
2. Get a workshop to repair and negotiate with the other party to pay. What if the other party refuse to pay or dispute the claim? That can be years of legal wrangling and thousands of dollars going to none other than our friendly lawyers.
There are some useful lessons I learn here. So next time when you drive:
1. Never drive alone. Always bring along your own witness.
2. Have a camera with flash, in the car. Try not to rely on your phone camera especially in the dark. My phone actually even takes rotten picture in daylight.
3. Even when your car is stationary, keeping within your lane, in your garage, inside your house, you may have no cause to claim against the other party who collides into your car. Unless you are hit from the back. To think of it, when my car hits another car on the back, what if I claim that the other car reversed into my front. Huh?