[Ravinder]

I did ask her about cash at the scene but she said it wasn't an option and she wouldn't be able to afford it and to go through insurance.

UPDATE - insurance company have just called me back to say that they have spoken to the lady for her version of events. Insurance company have ruled she is liable as she didn't leave enough space between her vehicle and my vehicle in front to stop in sufficient time. One less thing for me to worry about as I was worried she might change her mind and blame me for it.

Insurance company have now said they will get one of the of assessor from Arnold Clark who they use for their work to look at my car to see if it's repairable or to be written off. Arnold Clark will call me in due course to arrange this. I don't trust Arnold Clark at all! I've heard nothing but horror stories from them. I did say to the guy that I want my car to be assessed at my home. He said I would have to discuss this with Arnold Clark. He said the other possibility is that in present with the vehicle at all times even if it is taken to their garage to be assessed so I can drive it there and back if need be.