Parking lot fault and the myth of 50/50...
The main point is that just because it's in a parking lot that does not automatically mean fault is 50/50.
I think this misunderstanding is sourced from the reality that a lot of parking lot events actually ARE 50/50. The rules state that the person leaving the parked position must yield to all other traffic. What commonly happens is that two people are backing out from different spots and bump into each other. In that situation, 50/50 is the right call.
The other challenge is that often there will be a dispute (or outright lies) as to what happened and without witnesses, the adjusters have no choice but to settle 50/50.
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