Evening HUKD, your expertise is needed!
I dropped someone off tonight and on my way home I got hit by another car (a Toyota Hilux Invincible...yeah) to be precise.
I turned and drove down a road that eventually became bumper to bumper with cars and I saw everyone turning around, obviously something was going on up ahead. With no time to waste, I put my hazards on (no cars behind me at this point) and steered right to start a 3 point turn. Then smash - a car went into me. I wound the window down, ask if he was ok then asked whether he'd seen me, he said he thought I was turning into a drivway, I said 'no I was doing a 3 point turn, didn't you see my hazards?)
He looked at his car (giant 4x4) and there was only a scratch on there, he said it wasn't worth him worrying about. I told him that I could hear scraping at the back of mine so let's have a look.
It knocked my bumper upwards and the left part into my back left wheel. My little Swift hatchback had obviously come off worse for wear in this round. The guy kindly helped me take the bumper off the back wheel so I could get it home, after swapping details/phone numbers. He said his vehicle is a company car and he isn't sure of the insurance details, but wrote down his name/company address/mobile number.
Now, I hear you say, if someone goes into the back of you, they're at fault. I thought this was pretty clear cut at first but after some thinking I remembered the scratches on his car wern't on the front, they were to the side, which would suggest this happened as I was in the reverse part of the turn. I'm afraid the insurance company would say, at worse, I reversed into him, or go 'tit for tat'. I have a massive excess and this is my first year on my own policy so I couldn't afford to lose.
I took the car to my mechanic tonight for him to look over. He can reattach the bumper and clean it up for quite cheap, leaving just a scratched up car (also slight dent near side arch). He said that if the insurance company took my side (which they should do, although he too said it wasn't clear cut as it probably happened in reverse) the car could get written off as it'd need a new bumper, side arch and various other things.
He suggested I ring the guy and ask him where he wants to go from here.
At this stage I plan on calling the guy tomorrow, not expecting him to admit liabilty and sending the car to my mechanic to fix at my cost. I don't want to play russian roulette with my insurance company on the chance I could lose my no claims, excess, etc.
Do any of you have any advice?
tl;dr - car drove into me as I was in a 3 point turn with my hazards on. It would seem the point of impact happened when I was in reverse, which makes me worry that my insurance company would see it as me reversing into him / tit for tat.