[MO3]

Thanks for your support guys! Also thanks for the guys who called/messaged! It certainly made me feel better.
I'm not liable for excess as I provided my insurer with the driver-at-fault's details. Only thing is I won't be able to get a hire car as I didn't choose that option when I took out the policy. If the driver at fault was insured, I would have got a hire car regardless. They gave me the option of paying for the hire car myself and they will reimburse me once the other driver pays them!