Sometimes it's just plain your fault and denial is useless. This end, even if you're bang to rights, insurance companies don't like it if they hear that you've admitted liability on the spot. I got into hot water on one occasion when I'd done just that. It was OK in the end, thankfully. I can't remember now which of my rather numerous accidents it was, but they've all been minor, thank goodness! It's always a nasty thing to happen, so keep yer pecker up and take it easy for a bit. I find that evening access to a corkscrew can help...