directly fronting a policeman is a little bit different than

a real car accident. In any accidents, do not say "sorry" first is almost the rule of thumb. It may be used to against you. It does not worth the risk to simply let you feel better after you thought you hit somebody. Maybe it is other's mistake. The one in accident cannot be the judge; it is must be judged by others not involved. Saying sorry can be interpreted as admitting fault or confession. Keep silent if you do not know what to say.

my 2 cents.