I was reversing on a street, parallel with and close to the curb in an end parking bay, when a van came from ahead, passed my car and tried to sneak in the bay behind me, colliding with my rear nearside but causing me virtually no damage, although denting his nearside panel. I made no claim for my slight scratch but was furious when the other party claimed against my insurer, which agreed to pay. I complained and was told when challenging in court, a reversing vehicle is always found to beat fault, so it was not worth contesting. This means I will probably have an increased premium next year for something which was absolutely no fault of mine. Is this reasonable?