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@Alex_B
My take on this, is that this is what presumed fault should look like.
The heirarchy of most to least vulnerable road user was observed: Pedestrian>Cyclist
Then 50% was deducted for her failure to be observant (using her phone).
In a way it's a warning to all of us to slow down, to be as observant as possible around more vulnerable road users and to try to ensure we can stop as quickly as possible.
3rd party insurance is also important too (LCC, CUK/CTC/BC etc.) Check that you have legal cover too. CTC/CUK doesn't cover legal cover for affiliate membership, but does provide 3rd party cover.