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I don’t know what the legal situation is with the Royals and insurance. They will not want to be sued and there to be a legal case. However a note could be sent saying: “It is unfortunate that the incident on 17th of January 2019 occurred. The Duke of Edinburgh sends his best wishes. Sincerely, Secretary to The Duke of Edinburgh.” That is good manners and does not admit liability.
With a big check. Seriously, this is 2019, even "royal" folk can't go around causing car crashes. No matter what UK law is...the Royals better get a handle on this issue, because England has and is changing rapidly, few of the immigrants have any deep affection for royalty.
https://en.m.wikipedia.org/wiki/Foreignborn_population_of_the_United_Kingdom