I once had a guy hit me while I was parked (I was still in the car so he had no option to get away) and his insurance company tried it on and said I was at fault. I was with NRMA back then and a lawyer friend suggested I gently and politely remind my insurance company that I pay premiums every month so they will fight on my behalf when other insurance companies try to blame me for things I didn't do. I told the lady at NRMA what my friend said, and that he had told me to tell her, and the next day she called me to tell me she had fought on my behalf and won, the other insurance company had caved and were paying up.