u shud always call the police for any road accidents the number is 999, as for moving the car... dnt if the damage is huge.... if its just minor ....u better move to a side close to the point ...cuz the police will fine you for blocking traffic otherwise bt again this is debateable cuz it rarely is inforced tough clearly stated in traffic rules... as for the last one insurance covers almost everything n again it depends on the type of insurance cover u have.... tc peace ;)