Is this my fault??

[chickenchickenchick]

So a few days ago this happened and yes i am still worried..

First of all i am the coloured in car.

The other car involved lived where the cross is.

As i went to reverse from the side of the house (sort of parking bays) i looked and double looked nothing was there so i reversed carefully. I moved no more than a few inches at less than 5MPH as i looked infront to check nothing was obstructing i heard a bang and there was a car behind diagonal. Both cars were damaged but nothing that couldnt be replaced.

Que the other car driver getting out who then shouted and screamed i hit there expensive car and they will go through my insurance. I felt threatened by this man and told him i would sort it as I initially thought i hit a parked car.

It has then came to light that the other car reversed quickly from their drive and a few feet down the road to get behind me. After the initial shock and getting my self worked up it now seems more like the car indeed hit me at a speed.

Will this go 50/50 with insurance as it is knock for knock, or is this indeed my fault? AIBU to think this wasn't fully down to me.

I appreciate it is down to insurance to decide but any similar stories or advice would be good.

Id suggest turning the photo on its side.

My real Life suggestion to the letter is prob not MN allowed but if someone posted
Letters like that through my door, my
First reaction would be to send my built like a brick shit house ex rugby playing not as easy going as me husband round there 🤷🏻‍♀️

Were both cars reversing when the accident occurred then, OP?

So they were breaking the speed limit while reversing? And it's on cctv and their excessive speed is proved by their own black box? 100% their fault.

If you're worried about the letters to the point of being harassed a chat with the police wouldn't hurt.

Of course you wouldn't be wasting police time. For all you know, they have form and could escalate.

Sounds like they're trying it on and trying to intimidate you into accepting fault.

Let your insurance company deal with all the facts; it sounds like it was their fault.

@itsbritneybiatches 🤣🤣

@ChicCroissant

I was reversing as in edging back at about 3mph, they were reversing round the corner at 27mph

Thanks everyone. I wasn't sure if i was being a hormonal pregnant lady being dramatic at the letters..

Let insurance deal with it. Provide evidence. Re the letters...report to police

All evidence is with the insurer and has been for a few days. But the wait has me abit worried as i feel like the other party wont be happy if it is not me liable..

Report the accident (you have to where I live) and (after taking copies of the letters) file a report for that as well with your insurer and police pronto.

Have you told the insurance company about the threatening letters? Ask them to make a quick decision as you want this put behind you as soon as possible.
Also, inform the police. They should send a PCSO round to have a word with the couple and ensure that no further harassment or other crimes are committed against you. Then, if something happens, you already have the police on side.

Over-reacting?

He drove into you, got out and verbally abused you, and has since sent you threatening letters?

This thug needs to do jail time and lose his licence.

100% their fault. Same as someone pulling out in front of you. Saying you'll 'sort it' while being shouted at wouldn't make it any less their fault.
People who reverse like that are beyond me, one day they will kill someone doing it.

I may have confused a little, the accident happened a few days ago and was sorted through insurance but i have not heard anything back yet. I offered to sort it due to convenience but the other party insisted it went through insurance but wouldn't tell me his insurer. I am not sure what they have reported etc.

The letters only came about an hour ago so insurance haven't been informed as of yet.

@BlackForestCake

As i was moving, granted a lot slower than them I thought i was likely liable so assumed they were likely just angry.

So you sorted it through insurance like they asked. Why are they calling you a cow?

@KatharinaRosalie

I did wonder this..🤣🤣

Im assuming because after i went through insurance i told them i didn't think it was fully me to blame.

Does anyone know what my insurance do to speak to the other party?

Do they get their insurer to tell them what i have reported ASAP?

I'm confused as I don't think I could reach the speed of 27mph in reverse on a straight road let alone a corner.

@stayathomegardener

I am only going of what the insurer told me which they collected the data from the telematics box.

I worked in insurance claims a little while ago.

1 - Stressful as it is, try and put it to the back of your mind. Your insurance company will fight for you but chances are, the other (third party)s insurer will also fight for them so it may take a while (hopefully not as CCTV is a brilliant help).

2 - Liability May be more questionable than it appears. While the third party appears to be quite reckless by reversing at speed while you were being cautious (which goes in your favour), there is an argument that they were more established on the road as they were fully off their driveway and actually travelling along the road, meaning you should have stopped to let them continue (which goes in their favour).
I would think the fact that you were both reversing would cancel each other out.

3 - The speed won't make too much difference in liability usually, especially if it's not such a high speed that someone was seriously injured.

4 - People get very worked up about accidents but if the third party is making threats / sending you notes, tell the police. It will make little to no difference to your insurance as they simply deal in civil law but police can tell them to leave you alone.

5 - Little known fact but it can sometimes be more beneficial in the long run to be held at fault. With a lot of insurers it impacts your premiums but not as much as being non fault does!

In answer to your question, your insurer should contact the third party insurer and give them your version of events, confirming what evidence is available. The third party insurer should then contact their customer, talk through the details of the accident with them, discuss how they plan to proceed then update your insurer who will in turn update you.

Tell your insurer the number plate of the other car. The other driver is an idiotic for refusing to say who their insurer is and for name calling and sending nasty letters.

Other party is a bully. You exchange insurance details after an accident. They were reversing at 27 mph? Tell the police and insurer about the bullying letters too. He sounds like a right knob.

Reversing at 27mph

If your version of events is correct then it's quite obviously there fault however I think it's more likely to be a knock for knock..

You do need to inform the police about the letters!
Very childish