round where i live and work we have 3 versions of bus lanes
1) 7am till 10am and 4pm till 7pm, mon to fri
2) 7am till 7pm every day
3) 24 hours a day every day
i have driven in a bus lane regularly on the way to and from work at about 2-3 pm whilst in a lane controlled by rule 1) and not got a ticket yet
as for the accident? plenty of fotos of area, lots of points of view, road signs leading scene good too, if theres a dispute, then at least you can show your insurance firm what the local situation is, when my mrs had her uno written off on hospital grounds it was a foto i took by accident of a 5 mph sign that screwed the other driver, he'd already told his insurers he was doing 25+!!! bonehead!