I was leaving a parking lot and an officer motioned with his hand for me to stop to allow a wrecker to move a car. While sitting at a stop a car back up from his parking space and hit my front right bumper. His Insurance company Liberty Mutual is now telling me that they will only cover 90% because I was 10% responsible for not trying to avoid the accident. I did not see the guy backing up, I had an officer standing about a car link ahead of me directing a wrecker and a truck behind me. There was no way that I could of done anything to avoid the wreck. The guy that hit me said that he didn't see me or the officer and took full blame. How can Liberty Mutual say that I was 10% at fault. How can someone that wasn't even at the scene know what happened to make a judgement call?
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