Similar thing happpened to me. Slight scrape down a wheel arch while my car was nicely parked in the street. Lady who did it admitted it might have been her fault-"I was trying to give way to oncoming traffic" . Damage slight but highly visible--a £150 quid jobby at least
Reported to my insurance and insisted this was not my fault. Insurers agreed--they also kindly agreed that since damage was slight and within £300 excess limits I would have to pay. Grrrrrr
Luckliy lady( who lived locally) gave in and paid £180 invoice.
Told insurance company that I would stand absolute no nonsense if they started hiking up my premium "next time". They said they would not. They didn't.
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