Whilst in a car park waiting for a space, a lady reversed out of her space and hit my car on the rear drivers side. Her towing hitch the underside of our bumper(causing a large dent, and knocking bumper off clips). The damage to her car was in the middle of the boot door(Renault Scenic), up to the window. I don't think our car caused all the damage, as the our car is quite low. Anyway, a witness came over, who she immediately said she didn't know him, and started taking pictures. The witness said he saw me reverse into her car, even though I was straight, and she was reversing at an angle. We swapped details, and that was that. Later, I went to her house to update some details, and take a picture of her car. She then said that she didn't see me when reversing. My questions are, who is at fault, and with regards to insurance - if I claim off her insurance for damage to my car, and she claims against my insurance for damage to her car, do I still have to pay the excess? Both of us have Fully Comprehensive Insurance.
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