Auto Insurance Claims: parking lot acciddent, aaa insurance, accident scene

Question
I backed out of a parking stoll after checking around me.  I bumped into a car passing by.  I felt she was speeding through and waived a cop to the scene.  He immediatly took side with the woman.  Her car door had a major bump and my vendor was damaged.  The police took her side and report and ignored me.  I then started the claim with my AAA insurance person who told me not to worry about anything as I was pretty upset over being made responsible for the accident. I hav two cars insured under my policy and my insurance skyrocked to 3000/year.  When I called the insurane, they told me that I have two points on my record.  The agent never told me about this part, otherwise, I would have fought it legally.   I need to know my resources at this point (two years later).  I feel like I should talk the AAA agent to court as he settle the claim wihtout giving me the proper information.  The claim cost about 4000USD that includes chiropractic care of the other party.  She didn't look injured at all when was was shouting at me.  My car virtually moved without speed out of the parking lot, the needle never moved.  I really feel taken advantage of and need to know if I have any recourse to my favor.

Answer
Cadence,

Two years later is going to make it difficult. If the claim was already settled the other person signed a release so the case is more or less closed.

The points the adjuster is referring to is the ticket you likely received at the accident scene. That ticket would have been your obligation to dispute by showing up in court, rather then paying the fine. The adjuster would not have had anything to do with the ticket issued.

Additionally, the person backing up has a duty to ensure their path is clear. Just from what you tell me it sounds like the other person had the right of way. If they were speeding, which would be hard to prove, this would off-set her claim but would not change the fact that you backed into her.

It does not sound like there is much recourse for you at this point but you may want to consult a local attorney for more advise.

Best of Luck

Marc B. Nussbaum, Esquire