Hello and good evening! I put a used golf in the ditch. it was dark and I was a little too fast, so I could not take the curve. Shortly before that a car came to me, which blinded me, but which should not be an excuse now, it still remains with self-inflicted, because I was simply too fast. At the front everything is scratched, the whole bonnet has to be replaced and now has a big dent in front. Besides, it can not be in the 4th Gan g. My question now: what does the insurance pay with comprehensive in such a case? it is after all self-indebted. do I have to carry one or everything? or ask the unpleasant ask me? Would I have had to call the police, since the insurance afterwards still means I had drunk alcohol?? Thank you already for your answers.