I was stationary and hand my handbrake on, some guy turned right across me too fast and clipped my front with his rear right side (rear tires take a different line that front tires, apparently he didn't know).

He skids to a halt, and we look at the damages to the vehicles. He's taken off my front number plate, but it's completely superficial damage to my car and I'm not gonna worry over £10 worth of repairs. I can't see anything wrong with his car at all, there's not even a visible scratch. One of his passengers randomly starts complaining about neck pain, but we don't call the police and we exchange insurance details and phone numbers with the explanation that he's going to get the car looked at. I'm pretty confident nothing happened to his car so I tell him just ring me up when he's had it looked at. I figure worst he's gonna do is try to claim new hub caps. Another £10 tops. I forget it happens and go about my day. A week later I realise I never heard back, so I call him up and get a very terse phone conversation letting me know he's letting his insurance company deal with it. I call up my insurance company and they didn't know anything about it, but it must go down as a claim if I'm reporting an accident, apparently. I say I don't want to claim anything, but they're adamant it's a claim.

Anyway, my insurance company gets an "expert engineer" witness that claims there's no way they hit me and it had to be me hitting them. I challenge it, and I take the guy to court against the advice of my insurance company. Over a year later, I'm giving testimony and the judge believes my version of events (well, I'm the only one that could actually see what happened so it's not a big surprise) and I win. Insurance company had to give back all the money they took off me in the meantime, but without interest. So I lost out a bit, was stressed out and lost a day where I had to go into court, but it's sure better than paying that extra premium. Always challenge and take to court, even on just eyewitness testimony, you could still convince a judge.