My question involves insurance law for the state of: California
My 20 year old daughter was in a minor accident in a parking lot. She was in a one-way aisle, parked on the left side. The parking spaces are angled, not 90 degrees. Another car drove down the one-way aisle the wrong way. My daughter backed out of her spot and hit the passenger side of the rear bumper of the other vehicle with the passenger side corner of her rear bumper. I can't think of any way these two parts can meet unless the other driver was going the wrong way. Neither vehicle was seriously damaged.
My daughter's insurance company says she is 100% at fault, even though the other driver was going the wrong way. Also, because the other car was going the wrong way, they couldn't see my daughter's reverse lights, as they face the rear, and the rear of her car was angled away from the wrong-way car.
I don't understand how the other driver isn't at least 50% responsible. How should I go about trying to convince my daughter's insurance company to reconsider? And are my arguments that they were headed the wrong way and unable to see her reverse lights relevant?