So basically it wasn't anything of a major accident just a guy backed out into me (i'll get more into it in a second).
The story is this:
I was leaving my work (Nancy's Pizza) and driving down the exit onto the main road through the parking lot/aisle at the blockbuster. Now let my add that I've have done this hundreds of times considering I've been working at my job for a year and a half. Also let me add that this was a Friday night at the blockbuster so it was extremely busy and everything. Well I was driving down the aisle and this guy just backs out into the front right side of my car. So I called the police and my dad came too, and the guy that hit me had taken all the blame.
So we decide to go through the insurance and so now the problem is this:
His insurance says that 90% of it was his fault and 10% was mine because I could have swerved or honked my horn (even though I stated I had no time to do anything plus swerving would have resulted in another accident because it was a busy friday at blockbuster. Also they said the 10-15mph I said I was going may have been too fast. When the insurance lady interviewed me I said I wasn't sure but I was going slow and I said maybe 10-15. Now to some people that may seem fast but if you go try that It's much slower than you think. She also stretched the truth in the letter she wrote she said that I said I barely saw him so I didn't do anything to avoid the accident. What I really said was I barely saw him and didn't have time to do anything because he pulled out fast.
So this is really making me mad because I'm 17 and I don't want this to go on my record and maybe my insurance go up, I'm not sure. Let me add that I think I'm a good driver and that I have never gotten in an accident before. I just think its rediculous that we should have to pay anything when it was clearly all his fault and he took the blame. So we told his insurance that we don't agree that 10% was my fault, so now we are hoping that our insurance can negotiate with theirs and get them to pay all of it. The total cost to repair it is $735. Not too bad but I feel I shouldn't have to take 10% of the cost and have it on my record either.
So anyone have any advice or can add anything and anyone really know a lot about this stuff?