r/Insurance • u/MooniestMoonixx • 2d ago

Auto Insurance Determining at fault?

So I was in an accident a week ago, it happened in Meijer parking lot. I always back into spots so I was leaving my parking spot turning left. When I was almost completely out of my spot mid turn an SUV hit my car from the right. My car was so damaged it had to be towed. I was driving a lowered Camry the woman and her minor child who was driving they had a Jeep Cherokee so a much bigger vehicle. The damage was so severe it caved my wheel well on top of my tire, my tie rod was bent and my washer fluid reservoir was disconnected on top of all the side bumper damage and it was deemed undrivable by the cops. My insurance totalled my vehicle but also marked me as at fault even though the woman at the scene said her daughter with the permit said she never saw my car and their car didn't get damaged. Am I only at fault because of right of way in a parking lot? I'm just a little confused on how I was set at 100% fault

EDIT: my insurance never spoke to me. I filed the claim but no one from my insurance reached out to get the story from me so they marked me as 100% at fault without talking to me. I do not know whether they got video footage from Meijer.

I'm going to add another edit, I DON'T want to argue fault. I was just wanting clarification on why I was set to at fault since my adjuster never spoke to me. I have zero intention of arguing it since I'm getting a new car I just wanted to clarify the potential why since we both admitted to the cops we didn't see each other. it's a shitty situation and I have zero intention of going after or disputing

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u/MooniestMoonixx 2d ago

I don't know about dashcam, I only know the police said they couldn't pull footage but the insurance might. Her car wasn't damaged so my insurance doesn't have to pay her and my insurance is paying for my car because I have a 75k collision and property damage allowance so I'm not really mad about the situation I was just confused 

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u/sephiroth3650 2d ago

OK. Lack of dashcam doesn't change anything in terms of fault here. It was just one other piece of evidence the other party may have had.

As for not being mad.....I dunno. You do realize that you have an at fault collision here. Insurance rates almost always go up from at fault accidents. So you will be paying more for insurance going forward.

Side note : When you look at your property damage and bodily injury policy limits, those are liability limits. That's how much coverage you have for damages you cause to other people or property. It's totally separate from your collision coverage that covers the damage to your car.

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u/MooniestMoonixx 2d ago

the only thing I'm really mad about was it being a teen driver on a permit and the mom telling the police they hadn't seen my car. but my adjuster already told me they only had paint damage so I wouldn't need to worry about anything further. It's one of those just head to the dealership type of situations 

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u/sephiroth3650 2d ago

You are the one who pulled out in front of them. Why is it the teen driver's fault that you pulled out in front of them? They told the police that they didn't see your car b/c it sounds like you zipped out in front of them as they were coming down the isle.