Mono Monday - On my doorstep

It's started again!

Also "on my doorstep" this morning but not photographed - I drove into our road and saw one of my neighbours about to reverse out of her drive so I stopped and waited for her.   She didn't look in her mirror and reversed straight into me despite me leaning on the horn.

She has admitted full responsibility but under the terms of my policy I had to notify my insurers even though she says she will pay for it.  The infuriating thing is that even though there is no insurance claim,  I was stationary at the time and the other driver has admitted full liability they tell me that my premium will probably increase.

It's bl@@dy scandalous and I don't know how they get away with it.  Grrrr!