Accident happened at about 100 yard before exit 30 on Highway
880 North (City: San Leandro).
Driving 2005 Toyota Corolla LE, with two passengers north of 880, slow down (at speed about 50 miles/hour) and prepare to exit on 31A.
There is a SUV in front of Corolla and partially blocked the front view of Corolla, the distance between two cars is about 10 cars.
The SUV sudden change lane to the left, exposed a stopped truck on the road in front of Toyota Corolla.
No warning sign or emergency light form the truck.
Hit Corolla brake but were not able to stop Corolla completely, Corolla engine hood went under the truck bumper. Caused the damage to the Corolla.
Gentle impact force received from Corolla, Air bags did not pop, wind shield glass was not
Driver and passengers in Corolla were not injured.
Truck #1 collide with another truck in the front. Both truck drivers were checking the damage on the road when Corolla collide with truck #1.
Highway patrol officers showed up and guided all three vehicles with passengers drove off
highway 880 exit 30 to Ronda Street to take the accident report.
Insurance company handled the claim and issued a generous check. However, they assigned us at least 51% of the legal cause of the accident, as "Our vehicle came in contact with other vehicles."
We'd like to contest this decision to avoid surcharge to be added to our premium. We believe our fault is under 49% as the truck failed to put up sign nor signal.
What's your recommendations?