I have just got home and am still a little shaken up so excuse me if I forget some of the details here.
I was driving home from work and on a steep hill, heading downhill. At the bottom of the hill is a set of traffic lights, and a 4-way box junction.
I was waiting quite far back in the queue near the top of the hill, waiting for the traffic lights to go green. They did, and traffic started moving forwards so we all accelerated towards the junction. As I approached the junction the lights started to change. I could probably have made it across just in time before they turned red, but I could see that my exit on the other side of the box junction was not clear so I decided to stop at the lights. Admittedly, I did stop fairly sharpish, but it wasn't overly violent. It's not like it was an emergency stop, just a bit more sudden than I would have liked.
As I stopped I looked in my rear-view mirror and saw a lorry hurtling towards me! There was still a fair bit of space between us but he was still going way too fast, I have no idea whether he had even seen me stop or not by this point.
Anyway, the lorry driver must have slammed hard on the breaks because he did manage to stop RIGHT behind my car. Having seen him coming at me so fast I did also move forward over the lines to try to give him more space.
The lorry did not ever touch my car, but as he came to a stop I heard the most almighty crash, which turned out to be the goods he was carrying. At this point, the driver gets out of the cab approaches my window and starts screaming and swearing at me, calling me names, saying I'm stupid and shouldn't be driving etc etc. It was absolutely terrifying. He is at least twice my age and probably about 4 times my size and he was being extremely intimidating. I did wind down my window a little to try to talk to him but I couldn't get a word in over his tirade.
While he was yelling, the lights turned green and the line of traffic behind us starting honking their horns and getting impatient. So I then carried on driving, went over the box junction and pulled over in the bus lay-by a little up the road. The lorry driver RAN back to his lorry and followed me. I guess he thought I was trying to drive off completely or something?
Once we were both in the lay-by he started demanding my insurance information saying he would "make sure I didn't get away with this". I was so shocked at the whole situation that I gave my details to him, and eventually got his from him. But this whole situation took about 40mins, with him yelling at me the entire time.
So I guess what I'm asking is who was in the wrong here? My understanding is that had he gone into the back of me he would have been at fault anyway, so I'm not sure how he can be so adamant that I am to blame? Also, the fact that our vehicles never even made contact makes me think I was really stupid to exchange details with him. Did I do the right thing?
He kept talking about the expensive cargo he had, and I'm now worried he is going to try to claim that from my insurance somehow? I can't afford for my premiums to go up, especially when I'm almost sure this wasn't my fault.
I haven't called my insurance yet but will do when I've calmed down. In the meantime, can some one please tell me whether I'm in the wrong or not? I want to be fully prepared when I talk to the insurance company.