5 points and £350 fine for t boning a porsche and my van catching fire,not being able to prove i was insured as the policy was in the van and was destroyed and the AA not honuoring the claim(long story).eventually i was sued for £26,000 for the knobs car and £14,000 for injuries to the passenger.believe it or not it was his fault,i thought he was parked at the side of the road,i passed in 2nd gear and he turned right in front of me without indicating.he had been sat at the side of the road for a good 5 secs with nothing coming.twat.