I don't think this is so bad, except for the "alleged" insurance infraction. Please never state insurance details directly, it's not legal. Just make observations and questions.
I know him. Drunk drove 3 times which I know of while his eldest daughter was in the car with him she's about 11. Plus always high and I dnt think he knows the new law which is don't smoke wiv kids in da car
And you'd think the parked up White car 20secs earlier would give some idea why not to undertake on the hard shoulder. What a bellend.