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If you had enough time to back fully into the street, shift into gear but hadn't moved forward -- then she had enough time to stop and it would be her fault. The roads may have been icy, but no insurance is going to wave fault b/c of that.
If she tells them you pulled out without looking when she was right there and she had to slam on her brakes and couldn't stop...well....you might be screwed.
It's all how each story plays out.
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