Car accident need advice!

[olegna18]

1) CTPL or compulsory third party liability coverage applies ONLY to the liability of the insured in respect of the bodily injury and/or death of any THIRD PARTY in an accident caused or arising out of the use or operation of the insured vehicle.

2) considering that you were driving with an expired license, you were then violating a law, and because you were violating a law, you are presumed to have acted negligently.

Pahelp din, newly joined lang ako dito. di pa ako makapagpost ng new thread. nagfull stop kasi ako kasi biglang may tumawid. kaso nabanga ko pa rin. tapos binanga naman ako nong nasa likod ko na car. kaso ang problema need ko the next day umalis ng bansa so nagswitch driver kami ng erpat ko kasi baka pahold pa flight kung sakaling mamatay yung taong nabanga at pumayag naman yung nakabanga sa amin at pumirma sila sa pulis report.
Ang problema, tinatakot kami ngayon nong nakabanga sa amin at pati insurance nila na ipakita daw nila yung dashcam nila na ako talaga ang nagdadrive at pababago ang pulis report. kasi gusto nila kami magbayad ng pagawa ng car nila.
Ang tanong may laban ba kami? (additional info: valid po DL ko at running 40-50kph lang ang takbo ko.)