Other driver's insurance is splitting fault 50/50 but I did NOTHING wrong — what now?

The 50/50 split is almost certainly a low-effort opening move. Adjusters know that a lot of people just accept it because they're exhausted and want it over with. Don't take the bait. The other driver's insurer works for their client, not for you — their whole job is to minimize the payout. Stop talking to them voluntarily until you know what your options are.

I used to work claims and I'll be straight with you: when there are no witnesses and no camera footage, adjusters default to splitting liability because it's the path of least resistance internally. It closes the file faster and the injured party often just accepts it. It does NOT mean the investigation was thorough or fair. If you push back — in writing, formally — the file gets escalated and sometimes the split changes. Don't let them treat your silence as acceptance.

Almost the exact same thing happened to me in a shopping center last year. Other driver lied to his insurer and I got hit with a 40/60 split initially. I refused to sign anything, got a PI attorney involved, and the outcome was completely different. Hang in there and don't agree to anything in writing yet.

Not legal advice, but a couple of things worth knowing: in most states, a 50% fault assignment can significantly reduce or even eliminate your recovery depending on how comparative fault rules work where you are. That's worth understanding before you agree to anything. Also, many PI attorneys handle property damage and soft tissue cases on contingency, so cost shouldn't automatically be a reason to avoid a consultation. Most offer free ones.

A few practical steps right now: (1) Send a written request to the store asking them to preserve any footage — even if they said there's no camera in that spot, get it in writing and make the request formally; sometimes cameras have wider angles than staff realize. (2) Document your injuries, even minor soreness, with a doctor visit — waiting too long can hurt you later. (3) Keep a running log of every phone call with both insurers: date, time, who you spoke to, what was said. That record matters.

I'm not doubting you, but I do have a question — when you say you were at a complete stop, were you stopped for a while or had you just come to a stop right before impact? The reason I ask is that the timeline can matter a lot if this ever goes further. Also, did you say anything at the scene that the other driver could be characterizing as an admission?

This sounds so stressful, I'm sorry you're dealing with it. The fact that she's outright lying about what happened would make me so angry. Please don't let them wear you down into accepting something that's not fair. You deserve to have this handled properly.

The good news here is that you haven't signed anything yet — that matters more than people realize. You still have options and you're asking the right questions early. A lot of people come here after they've already agreed to a lowball split. You haven't. That gives you room to push back the right way.