Can any of you offer some advice? My wife picked up my daughter from school and the road outside the school is quite busy, parked cars either side of the road so only space for one vehicle to pass.
A car passes her and has to stop due to other cars blocking his way in a bit of a stalemate, my wife indicates looks over her shoulder (its clear) and very slowly as its a school area begins to pull out. The guy who had just passed her sticks his car in reverse and reverses into the front right hand wing, the damage is minimal scratch and a dent to both vehicles.
I called him to say clearly he reversed into her and would he like to just pay to get my car sorted out by dent master etc to avoid insurance claims he said he couldn't afford to do this and also he claims he didn't reverse she pulled out on him whilst he was stationary. My wife has a couple of witnesses, he drove off after asking a couple of people to be witnesses but they refused
My question is, is this clear cut for an insurance claim or not?
It's my insurance and I'm concerned about premiums increasing next year.