Areas of Law / Insurance law

I was leaving a hotel car park and accidentally ran over an unattended bag belonging to a wedding photographer. He says a lens costing £2,000 was damaged and he wants my insurance details. Who was to blame?

I would be reluctant to accept responsibility for this. If you leave things lying around in a car park you could reasonably expect someone to run over them. A claim such as this on your insurance could send your premiums rocketing, so I suggest you give the photographer your name and address (it sounds as though you already have) and write to your insurers “for information purposes only”. It’s possible the photographer will take you to court, in which case you should see a solicitor about defending the claim.

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