DMJ...I assume your car was not actually hit?
If so then it can be argued that you were not involved and so a refusal to give details is not an issue.
The old woman and ford driver are the ones who should do that to each other.
Are either of them intending to make you involved?
You might be a witness as would the Lexus driver.
Did Lexus pull over to allow oncoming traffic to pass through?
Was Lexus indicating in any way?
The bottom line is that Old Woman must only proceed past if safe to do so, and did she consider the Lexus was parked or pulled over to allow traffic through?
She made the decision to drive through. Did oncoming traffic cause her to brake sharply?
Ford driver failed to anticipate the need to stop and was either too close or not paying attention.
The timings you quote put you out of the way with enough time for Old Woman and Ford to assess the traffic and drive accordingly.
Your insurers were right to laugh!
Old woman trying to switch blame for her poor actions and Ford also doing the same...clutching at straws and " not my fault " attitude.
If nobody was injured then police would not get involved and it is a "damage only" RTC.
CCTV may be of use to insurers if they are disputing blame between Old Woman and Ford.
You, Lexus and any others would be witnesses only.
Out of curiosity, do you know if police were informed by either party?
If so then they might contact you as a potential witness.
I worked in a police ops room for several years and had many calls re similar RTC incidents, explaining most times that police themselves could not adjudicate as they arrived after the event, unless CCTV etc was available. Advice was to exchange details with the other party and inform insurers.
