Humilliating yes but facing up to our responsabilities, no one ever said it was always going to be pleasant. At fault or not, talking to the insurance co. is best. If you were not at fault do not let them sway you differently for they will try there best to convince you you were in the wrong. If you are at fault own up to it. Yes it sucks but it happens. If you were out of it and really don't know than it will be what it will be. Hiding will only make things worse one way or another.
Larks