You are supposed to carry a letter of insurer's liability with you (ie. MoD coverage). The problem is when Pedro and 8 of his mates hit you on a 4-way stop and you pull a letter from Betty Windsor saying "don't sweat it, the check's in the mail" there is shall we say, the potential for confusion, even after Officer Dibble has arrived on the scene to book/shoot the culprit.
...and to confirm what VR says, never, under any circumstances get out of the vehicle if you are pulled unless invited to .