(England) Low-speed-reverse car park incident + 3rd party injury claim
Afternoon everyone, partner (named driver) was involved in a low-speed car park incident in England.
She was dropping our son off at school and had parked in a bay. After getting out, she noticed she wasn’t quite straight in the bay, so she got back in to reposition.
There was a white van to the left (1 bay away) which partly obstructed visibility. Thus she edged out slowly, stopping twice to check behind her until she was about 40% established on the (still clear) road. She then pulled fully back into the bay, was stationary for around 8 seconds whilst checking again (she is v careful), and then began a slow, final reverse to finish parking.
She says she checked and there was no car visible before she started the final reverse. Within a second or two of starting the final reverse, there was contact with another car. Given this was in a school car park (5mph Zone), it felt like the other vehicle appeared very quickly.
Damage appears minor:
- Our car: superficial scratch to the rear bumper
- Third party car: scraping to the rear-left wheel arch.
The school facilities manager came over immediately afterwards and asked whether anyone was hurt. Both drivers denied this. Includes 3rd party driver's daughter who was in the car also, as well as our son who was in ours during the incident.
We have:
- Front dashcam footage (rear didn't trigger annoyingly)
- Photos of both vehicles
- CCTV at the school (which we’re currently trying to obtain)
We immediately notified our insurer without claim, as were going to sort this directly with Third Party as damage was superficial.
No police report as there were no reported injuries - I tried via Met Police website the same evening.
Problem: the other driver has since made a personal injury claim for herself.
Both vehicles are insured by the same insurer.
Our insurer has emailed me for a statement - I have (1) provided them with contact details of named driver, she is now awaiting their call and (2) told them we're in the process of obtaining CCTV from the school - with us next few days.
I understand reversing vehicles are usually held primarily responsible, but I’m wondering whether the circumstances could support split liability if the other driver was travelling too quickly or failed to react?
We have Motor Legal Support as part of our insurance package.
Questions:
- Should we give our insurer the dashcam footage and full statement now, or wait until we’ve obtained the CCTV?
- Is it reasonable to ask insurer not to make a liability decision until the CCTV has been reviewed?
- How much weight is likely to be given to the fact that both drivers said no one was injured at the scene?
- At what point should we involve the motor legal protection that comes with our insurance, and is it even relevant if we’re not claiming for our own losses?
- Anything else we should be doing/not doing at this stage?
Any views appreciated.
Many thanks!
Schnauser
Posted May 10, 2026, 2:05 PM UTC