The parents of a 13-year-old girl left brain damaged by a speeding motorist are facing a £500,000 care bill after an insurance giant argued she was partly to blame.
Churchill said Bethany Probert shared some responsibility because she should have been wearing a high-visibility jacket as she walked down a dark lane.
They successfully challenged a High Court ruling that motorist Paul Moore was 100 per cent liable after he mowed down the girl in December 2009.
Bethany, a keen rider, was walking home along on a grass verge after tending her horse Troy in stables near Silverstone, Northants.
Churchill believes that Bethany's care bill does not come to £500,000.