My daughter's vehicle was backed into in a parking lot by an Allstate insured, who admittedly was on the phone and not paying attention. When it came down to Allstate paying for the damage to my daughter's vehicle Allstate claimed that they find my daughter 10% responsible for the accident due to the fact that she never hit the horn to warn their insured.
Therefore Allstate decided that they would only pay 90% of the claim and that my daughter would be responsible for the remainder. I tried to argue the point with Allstate but they would not move on it, she either accepts the 90% or fight it in court, which would have cost more than the 10%.
All of the insurance people I had explained this to had never heard of such a thing but were not surprised when they had heard that it was Allstate that had done this.
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