[MATCHBX]

Actually, no matter where it happens, you are always at least 5-10% at fault for being there in the first place. But yeah, usually in a parking lot it is 50-50. As long as you are not found more than 50% at fault, your insurance will not go up. I have had 2 50-50 accidents in my life and neither raised my rates. Both were substantial damage with the last one totalling my car.

As an update, the car is totalled. She took it down for the complete inspection today and they found some more damage that causes the total to be near the value of the car. Basically they found out that there was more damage to the rear quarter panel and the frame of the door is tweeked (not the frame of the car but the frame of the door) than what they first saw so the door has to be replaced rather than repaired. We'll know more in the next few days.