By the time if the driver refuse to sign, it means if he left the scene he will shirk all responsibility and claim its your fault. When you call the police to come, they will settle the dispute where both parties will describe the story. You will also tell the police that the lorry driver has admitted his fault but refuse to acknowledge in writing.
Most times, those who are in the wrong will not want to involve traffic police. When the traffic police came, they will write down details and timing and occurence at the accident scene for reference. It will help when you try to make a claim against the lorry driver.
A lot of people are afraid that when traffic police comes down, demerit points will be awarded. But if you have the right of way and reasonable case, even if demerit points awarded to you, you can write in. Some times few points and few thousands in repairs, best to settle who should be liable for repairs and claims on the spot.
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