My mum was in a car accident the other day and my initial thoughts were the liability would sit with her but was just wondering if anyone with more knowledge than me would be able to give me their opinion on if there is an argument that it isn’t her liability.

She was at a T junction where she was turning right with the lights green. From her left hand side a police car sped round the corner to turn to the police cars right on the wrong side of the road. She was following another car who in order to avoid the police car crashing into them, slammed their brakes on and my mum then drove into them.

The police did come back a little bit later whilst they were exchanging details and intimated that there may be a case to claim against them and gave her a CAD number.

However, when my mum spoke to her insurance company they said as she rear ended the other driver it’s her fault.

Is there a case to either push the insurance company to explore the liability of the police or try and claim directly from the police or would you say as she went into the back of the other car and the law says about a 2 second gap that ultimately taking it further is pointless.

Any advice appreciated.

Thanks

I've worked for several insurers and while normally the fault lies with the insured who hits from behind, if that's how the accident occurred. But there are always exceptions and your's sounds like one, if the police vehicle was speeding.

The police have a procedure for hitting vehicles driven by members of the public and where they are liable.