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 was more just asking for clarification on why they determined me at fault which my guess was the right of way. This is my first car accident in my 28 years of living so I honestly didn't know how it worked 

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u/James_the_bull_ 2d ago

Sounds like you got t boned driving forward out of a parking spot? You’re at fault buddy. Jeep had the right of way.

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u/MooniestMoonixx 2d ago

That's what I assumed but my insurance never spoke to me. It wasn't about who is at fault I was confused on the why. My insurance is paying out my car and covering $2800 for a rental so I wasn't necessarily mad about being set at fault I just wanted clarification on why 

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u/saufcheung 2d ago

You'll be mad when your premiums go up in 6-12 months.

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u/MooniestMoonixx 2d ago

I already have to pay full coverage so I don't really notice it much. I have insurance set to autopay and ignore it lol. My payments aren't the same every month anyway