Sometimes the insurance companies don't care who was at fault. They put it down as an accident. (At least in the US they will.) Avoid letting you ins co. know if at all possible...
I had to fight for months to get Allstate to realize that the windshield chips they gladly covered were not accidents. My agent fought the underwriters for me till they removed them as at fault accidents. Lesson learned, forget the offers by insurance to cover windshield chips, they screw you for it later.
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Dave Clark Georgetown, Texas MK2A 42Gb - AnoFace - Smoke Lens - Dead Tuner - Sirius Radio on AUX