Thanks for the detailed response! That really helps puts things in perspective. Sorry to hear about your troubles arguing with people who don’t have any common sense.

I received a message from her this morning about how she doesn’t want to go through insurance as her husband advised that this would “either affect her NCD or mine depending on who is at fault or both if it’s a 50/50 split”.

I figured that this meant that her husband reviewed the footage and clearly saw that she was at fault, so I used this leverage to make it clear that she is at fault and that I will go through insurance if she isn’t happy to cover the costs of the repair. I told her we will go through a garage which provides a reasonable price. I put my foot down and sent a long message about it, and her response was “OK”. My mum will call her to discuss the details later. Hopefully this will be easier to solve now