If you have actual evidence that the bloke was on his phone then you have every right to your rant about him. However there are a plethora of other reasons one could end up causing a fender bender, some rather forgivable. Accidents happen. The fact that you're miffed because you don't have decent insurance and are now looking to find any reason under the sun to vilify the bloke shows that you're impervious to looking past your own nose.
You haven't sparked any sort of interesting debate about cellphone use while driving. You've simply pointed out how idiotic making assumptions can be, in my eyes at least. It sucks that you had an accident, yes. Nobody denies that. The other bloke claims you cut him off, and you claim he was on his cellphone, for which you have zero evidence. In weighing up the stories, I'd say both versions are highly likely, Mr I drive very fast cars all of the time therefore I am not to blame because obviously I am supposedly careful.
This was my first sentiment when reading your post. Instead I thought I'd give you a laugh as one tends to have to laugh off minor fender benders in life, whether they be vehicular or other. You can accuse people of trolling all you like, but from where I stand you have a rather poor record of simple deduction and employ a rather narcissistic interpretation of events to make yourself feel better. On that note, you are the Opel guy around here these days, since that epic series of threads. When context arises that allows for some humorous references to that time, you can bet your bottom dollar that it will be brought up. You have a choice to (again) accept that fact and learn to crack your cheek skin with a smile, or perpetually accuse everyone who does so of being a troll. While the choice remains yours to make, there really is a right and wrong attitude to adopt with it...