IMO its 100% her fault. I had an old biddy write Off my 30k mk4 cab and I won with 80% there fault in the end and it was a struggle 2 years later I got payout.
And the funny thing is I was completely stationary and half on a grass verge on a motorway slipway with them doing 70mph So how 20% was my wrong doing I do t know lol.
Keep fighting mate