She wasn’t in the vehicle at the time, the car was legally parked in a marked bay outside her house and yet when the delivery driver drove into the back of her car, her insurance company still held her at fault at increased her premium, reports Daily Mail editor James Coney.

Nicola Lewis fought for more than 9 months to prove to her insurance company that the accident wasn’t her fault, but it was told by her insurer ‘it is ‘industry practice’ for drivers involved in an accident to be listed as at fault until the liability has been accepted by the third party.’