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I was involved in a car accident in a parking lot. Nobody was injured. At-fault party's insurance claims adjuster took our statement and decided that it was 80% their fault and 20% our fault which is wrong - they are just trying to take us for a ride. My insurance company was involved, they took our statement too. They agree that we are clearly not at fault. Now I have the following options 1. Accept 80% payment and pay the rest myself. 2 Get the claim from my insurance company and pay deductible. They said that since I am not at fault they will go through subrogation process to reclaim this liability. But are they likely to succeed? If not then will my insurance rate go up? Also 20% of the damage falls within my deductible limit. So is my insurance likely to take trouble of subrogation?
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