So apparently the whole 50-50 rule is a no go in parking lots, and has been for a while. :) "Common misconception that people use to try and make you pay for an accident that you weren't responsible for" Thank you, my insurance company, for backing me up for once. I'm glad that I was nice and sweet, cause even thought they've been trying to screw us over, it looks like they can't, or we get to ding them for a lllllot of new charges. And the best - they now know that.