One thing to keep in mind about where the fault lays. Minnesota is a "no fault" state. So even if it was obviously the other drivers fault, in parking lots, both drivers are to blame. If the other driver is honest and tells there insurance company it was there fault, the other insurance may pay all of it, but I wouldn't count on it. Your insurance will probably end up paying a good portion of your claim. What really sucks about that, is it might actually raise your rates because of this. So just be aware of that.
If an accident happens out on the street, one party can be 100% at fault. But in parking lots, thats not the case. Just a dumb Minnesota law.
later,
Curt
http://www.mn3s.org