I had a pretty major shunt and it didn't come to this! I am now Captain Slow, which came in quite handy when my clutch died over christmas and I had to drive back (to the stix) at less than 30 mph from Curbar during that mental snow dump.
I know apologising is the admitting guilt thing you're supposed not to do when that's exactly the thing you most feel like doing in the whole world, but how does not reporting the incident work - not reporting it to the Rozzers, they interviewed you FFS, unless their beaureucracy <sp> is a bit mad. not reporting it to the insurance company is bad even if you fork out for it yourself and don't claim, and not declaring your documents at the cop shop is bad too.
Can you afford that Mr Loophole guy from Manchester or does he only take celebrities?
If you just have a court summons then my mate turned up for some speeding without due CAA shite, and just took whatever they threw at him - they couldn't even spell his name right, even with his license in front of him, so they're hardly competent.