I had a similar scenario with an old lady years ago. She pulled out in front of me and wrote both our cars off. It was in a 40 limit and i was prob doing about 30 as i approached the junction. She just pulled out as i was upon her, no time to react. She said it was my fault and her witness was a kid from the bus stop who she claimed agreed "I'd hit her" which to a kid is technically what happened. It took 7 months to sort as the ins companies dragged heels, refused to do this and that. I even dealt direct with her insurers who just wouldn't give up because the old crow wouldn't admit liability. In the end I sent her a county court summons myself and suddenly she changed her mind.