Parking lots are usually 50/50. We got in an accident when a car came out of nowhere and nailed us. He was driving across the lot diagonally. Insurance said it would be 50/50 since it's too hard to tell who is at fault (even though the damage to both vehicles would back up the statement). The damage to both was so minor neither side went thru insurance. But if we did our rates likely would have increased since insurance would say 50/50.
Our story would have been different if we had an independent 3rd party witness. We didn't. If we did we would have had zero fault
In my experience nothing is minor with auto body work. What you think is $300-500 ends up being $1500.
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