The landrover reversed into the red car from what I can see - it certainly reversed across the centre line of the road into the lane opposite.I was taught that if you really have to reverse out, you stay on your side of the road, not cross onto the other lane (if at all possible).
Did the red car actually make it onto the road ? - I'm not sure that it did.
However, I think that the red car driver didn't help themselves - there is enough driveway space on the red car's property to turn around and exit the property safely by driving out forwards.....
Insurance campany will settle this as 50:50, let them sort it out.
Think they would settle knock for knock unfortunately, pity you can’t blame the cyclist riding on the wrong side of the road right before the crash!
^ The cyclist was on the footpath!
Were you not admonishing him for reporting it? it certainly read that way
No.
Now you're jumping to conclusions. I was simply answering the thread title and trying to express my opinion, for what it's worth. It obviously isn't worth much. I'll shut up!
I work for an insurance company for my sins...
The question they ask is ‘Have you been involved in any accidents where claim has been made or not?’ So you morally you should always declare the incident, failing to do so may invalidate your insurance if it is later found you didn’t.
In response to the previous comment regarding a non fault accident causing your premium to increase, whilst I agree morally and in lay mans logic it makes no sense - Underwriters can prove after you have been involved in one accident you are X% more likely to be involved in a second.Exactly the same as the colour of cars also affects your premiums etc etc.Underwriters will base your premium based on proven facts, whether the facts seem logical or not!
Your wife was visibly moving first, other party to blame.
The red car wasn't moving when it was hit
I'd say 50/50 and a tip from the insurance to reverse in to both drivers in future to avoid this happening again.