So Sorry about this.... this is why I bought my car - cash from the megamart notice board... didn't want anything too decent.....

The minor bump I sustained... cost ME money and the guys insurance company was most obnoxious. All the running around...paper work rubbish - is done by the victim and you are without a vehicle...!!!!!!!!!!!
And it just isn't your fault

I think then the onus is on the driver at the time of the accident to pay... but it doesn't seem right.