Who pays for a courtesy car after an auto accident?

After having been driving in excess of twenty four years and never experiencing any accidents, I was disappointed to have been involved in an auto accident, even if it was not my fault. I have friends who either cause or attract accidents on a regular basis and they know what to do afterwards. I had no idea what to do or who to call?

 I was driving on my way home and I had to stop at the roundabout, I waited for what seemed to be a life time, for a suitably sized gap for me to join the traffic going around in an anti-clock wise direction, my journey meant me having to go right around to the last exit, just before I was back to where I joined in the first place. As I moved forward and decided I did not have the gap needed, I aired on the side of caution and waited. Unfortunately the impatient guy behind me, decided he could have made it even after me and he ran straight in to the back of me with a big bang.

 It took me a minute or so to regain my faculties and realize what had happened, I had hurt my neck and my elbow had slammed against the window and it was bleeding. I attempted to get out but my neck and back hurt too much. Many people gathered round me and I think I was slipping in and out of consciousness, all I remember after that is waking up in hospital. I left the next day with a neck brace and a walking stick. Luckily for me I would not be left with any lasting side effects and should make a full recovery in a week or two. I never knew what happened to the guy behind.

 Once I had relived the accident a million times over with friends and work colleagues, I had to turn my attention to finding a courtesy car and sorting out my car if it can be repaired.

After calling my insurance and completing a mountain of paper work they agreed to send me a courtesy car but only after, I gained a certificate of fitness to drive from my local GP. Once this was sent they delivered my courtesy car and it was to be paid for by the other guy, who I later found out had been prosecuted for drink driving as a result of the crash. At least I see where his bravery came from, thinking he could have made the small gap in the traffic, I thought better of it.

 I had my courtesy car for over a month before the insurance company confirmed my car was an uneconomical repair, and that they would pay me out. I really liked the courtesy car, so I purchased a brand new one of the same color, make and model. Well I suppose I have a good story to tell when they all start talking about their various auto accidents during our drinking nights in.