We were at a T-junction waiting for the lights to change behind a Ford transit flatbed. When the lights turned green the Transit pulled onto the junction intending to turn right, so we pulled forward intending to turn left. Suddenly the transit van slammed on its brakes due to a police car passing across his route. My wife reacted but due to ice on the road slid into the rear of the Transit. Substantial cosmetic damage was done our car with a few broken lights on the Transit. Would the insurance company take into consideration that fact that the Transit van driver didn't see the police car till late and made him slam on hard and possibly that the black ice contributed also?