well was driving into town today, down a single track lane at about 30-35MPH, limit was 40

came face to face with a tractor, braked hard and the wheels locked (wet ground) so released and reapply'ed them but was no use, met the front left tractor wheel at must of been 10MPH.

tractors fine, but the nova looks like a camal toe now.

hes getting the tractor checked out and seems happy to avoid making a claim if its ok.

im fully comp but with the excess i have, it would be pointless making a claim.

as i say, its my first accident (been driving nearly a year)

any advice?

que the PF do gooders any moment...