My question involves an injury that occurred in the state of: California
Accident occurred in a private parking lot, so even though officers arrived at the scene, they did not make a report or charge either driver with anything. The other driver is now claiming that it was my fault, after initially admitting to it. My question is, how do insurance companies determine who is at fault ? Photos of both cars, and including one of my car at the very spot where it was hit by the other driver (she hit me, causing damage to both vehicles) were taken and submitted.