[OAC_Sparky]

I was once here you are. The 50-50 thing is a fallacy. 95% of the time, if you were the one in reverse, you will be assessed the majority of the blame because you backed out in front of her. It doesn't matter how fast she was going, from a legal standpoint it's easier to prove that she was seated looking in the direction of travel and you were not.

The exact same thing happened to me back when I was 20, a dealership employee was using a customer's brand new ordered car to run to the bank on his lunch; he was flying and clipped my rear bumper as I was backing out (just idling). Unfortunately, if you've ever seen the length of a Torino, there's a lot of trunk to back out before you can see what's coming down an aisle:



Almost totalled a brand new Escort GT, I couldn't afford to cover it, so my insurance suffered a while.

So your best bet is to try and pay it out of pocket (if you can), because even if it's 50-50 it will still count as an accident against your record. Depending on your age and standing with the insurance company the long-term pain might not offset the short-term gain.

And if I learned anything from my own accident, always back into a spot every time you can. You have a better feel for what's around you, and you are likely more careful parking than you are leaving.