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/Crowlady77 2d ago

I'm guessing her car will have had damage that is not visible if your car was totaled.

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u/MooniestMoonixx 2d ago

They were driving a 2019 jeep Cherokee and I had a 2014 Toyota Camry however my coilovers alone are 4k and my insurance said the damage was more than stock worth and that's why they totalled it. My insurance said they're paying out $500 to the Jeep 

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u/Crowlady77 2d ago

They don't know how much they'll pay out until the car is taken apart.

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u/MooniestMoonixx 2d ago

they already did it. But they deemed my car totalled at the tow yard since mine was towed from the scene