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Good evening. I am Loren, a licensed attorney, and I look forward to assitsing you.
The general rule is that when you are driving in reverse you must keep a proper lookout and yield the right of way to vehicles moving forward. So, it is, from a legal perspective, your fault. If there are blind spots in the garage then you must proceed that much more caution.
As far as appealing the adjuster's decision, the policy must include information for appealing the adjuster's decision. So, review the policy and make sure to follow the required process to the letter. Insurance companies are notorious for denial of appeals based upon failing to follow their procedure regarding notice and deadlines.
I realize this is probably not the answer you were hoping to receive. Also, please remember that this is not necessarily a moral judgement on my part. As a professional, however, I am sometimes placed in the position of having to deliver news which is not favorable to a customer's legal position, but accurately reflects their position under the law. I hate it, but it happens and I only ask that you not penalize me with a bad or poor rating for having to deliver less than favorable news.
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