Just as a late aside on this one, my daughter's car was damaged while stationery (though she was in it at the time). She told her insurer and was contacted soon afterwards by an accident management company. Maybe a bit naively she went along with it, and they supplied a courtesy car and kept her up to date when there was some delay (I forget all the details now but I remember it involved extending the courtesy car and I told her to be ultra careful about that).
Anyway, it all worked out absolutely fine, and for very little effort or inconvenience on her part, and I had to eat my words. They apparently aren't all bad!
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