Didn't know about city liability. Incident occured over a month ago, still in back and forth with insurance.

They called back today, said they are firm at 50/50 liabilty but are willing to drop my deductible by 50%.

I'm just unsure if I should push the issue higher. From what I am reading it seems unlikely that I will get no fault, which is obviously what I am looking for.

He hit the driver side rear fender around the wheel well. The damage clearly shows the impact and a long scratch from him driving past. The impact folded his mirror in. His was an older car, mine brand new (400km on it).

I just need to know if I have a chance escalating this. Even at 50/50 fault my insurance rates will still rise which I find is ridiculous.

If I escalate higher to an ombudsman for example, can they override what the fault rules are based on what actually happened?

No ticket. My vehicle was in the right lane on a street with 2 lanes in the same direction. The right lane was obstructed due to snow and ice from the snow plow built up. Right lane is for straight through traffic, left lane ended in about 50m (to merge right). All straight through traffic was in the right lane, but slightly offset due to the snow (too much to drive over 1-2feet high). I was stopped, another vehicle was in the left lane behind me, and attempted to pass but could not as there was a divider between opposite direction of traffic, he hit the left rear of my vehicle. The road was l...