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Regarding the phone use, both were held to be equally at fault, which is questionable in my view because well she was looking at her phone.
She is theoretically at fault for being somewhere where she shouldn't be/distracted, but that is overruled buy the duty of care that applies (IIRC) to all road users regarding pedestrians. If they are in the road it is your duty not to hit them as they are more vulnerable than you
branwen
Thanks for the replies. I am looking into it but it seems rather arbitrary that a household/contents insurance would cover this type of event.
Regarding the phone use, both were held to be equally at fault, which is questionable in my view because well she was looking at her phone. But the reason for the unequal liability was procedural in that apparently only the pedestrian was able to claim damages because she was the first to file a claim...