Firstly, she is okay (no children thankfully in car).
It happened on a country lane. Very narrow section that is notoriously difficult to navigate. Nanny stops when she sees an oncoming driver with horse box 20m away. Rather than stopping and pulling over early on (which she could have), the horse driver continues to the edge of nanny's car and insists nanny reverses - which nanny says she couldn't (not sure how true this is, but this is the version of events!). So after a war of words, horse driver ploughs forward and takes off the side of MY car.
Horse driver doesn't stop, until nanny runs after. No apology and I have been given the drivers name & number. I will call for the horse ladies version of events but, I wanted to check:
- Who do you think is in the wrong?
- How do I present this to the insurance company?
- What happens if horse lady won't give her insurance details (her phone number suggests she lives in our village).
- How do the insurance companies decide who is in the wrong?
- How much is reasonable to ask nanny to pay for (she is on very good salary and lives in, so has no bills etc to budget for!), given there has to be an element of anger in this debacle otherwise it wouldn't have happened?? In my mind it was avoidable.
Part of me is furious at nanny as she should know that horse boxes are difficult to reverse so should have tried harder to reverse, regardless of whether horse driver was being unhelpful and difficult.
I am obviously furious that the horse driver has caused significant damage to an expensive car.
Any advise is much appreciated, please.
Off to find wine....