Whilst I was reversing out of my drive marked with the red asterix on my first photo and after checking all mirrors and blind spots, a 3rd party vehicle has turned left off the main road marked with the yellow asterix just as I was finishing my maneuver and they have caused an obstruction resulting in a small collision of our vehicles. There is even CCTV showing that this 3rd party did not stop to check before she turned left she just pulled straight in. Sheila's Wheels however have said that because I'm reversing I'm fully at fault as that's basically how it goes. I'm appalled by this decision when as this photo clearly shows, there are 2 separate roads and the 3rd party did not stop before continuing to do a left turn without looking. My second photo shows via the yellow arrow, the road I was already reversed out onto and the red asterix shows where they did a left turn to enter a new road and they did this without stopping to check it was clear first resulting in causing an obstruction which should have and could have been avoided. Appalling decision and completely incorrect when the 3rd party is clearly at fault. Had a cyclist been coming up the side road marked by the yellow arrow then the 3rd party would have caused an accident and injury by her actions. Do NOT insure with this Company.