Nanny Car Crash - what to do?

[ChocolateBiscuitCake]

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....

I get your frustration op. You've been landed with a pile of hassle and expense all because two grown adults couldn't sort out between them how to reverse a car out of the way.

Surely the nanny could have said "look I'm sorry, I'm not used to these roads and this car, I'm not very confident at reversing"
Then the other grown adult could have said, with good grace or not, "ok well I'll direct you or help you then we can go about our respective business"

But instead they both chose to shout at each other and damage cars.

Both idiots and I'd be mad with them both, no matter who is legally at fault.

poor nanny

she stops her car, well your car and then your car gets scraped/hit by another driver/horse box lady BUT apparently its your nannys fault

yes she should have reversed if able to but she did stop

and tbh if your dh hadnt hit a car then you wouldnt be complaining about pnc

tho most allow 2 accidents in 3 cars

you said none have happened before this, so surely no claims will be
ok

yes £1k is a lt for excess but you agreed to it

are you moaning at your husband for hitting something

What teaandakitkat said - x 1000

Agree with OVienna and teanadkitkat.

There was no need for a verbal row between these two - nanny could have just admitted she was scared to reverse and they could have sorted it out like adults not children. The row then enraged horsebox lady...and so on.

None of this is YOUR fault OP and yet you are landed with a heap of paper work and hassle.

It's a lovely idea that the nanny could have just popped out and explained her inability/reluctance to reverse and the other driver would have been so wonderfully calm and understanding and helped her to reverse. The reality is that the other driver was aggressive and unhinged. There are some people that you cannot reason with, the fact that she smashed in the side of your car indicates that she may have been one of those people!

Has it been sorted now?

What about dh accident? How did he manage to hit a car? Was it parked and still or moving and both didn't see each other ?