I live in PA and was driving to the subway this morning and it was dark. The road I was on is like a V and I was driving up the V and towards the middle of the road in case a car was half parked. There are signs on the street that say no parking either side. I hit a park car who was fully in the right lane facing me (so front passenger to front passenger collision). The other person was right outside the car as they were supposedly dropping off gifts or something. There were no distractions such as a phone, radio etc. She had no lights on, no flashers, or anything. The cops told me to not worry, but the insurance company says it is my fault. I don't get it, if she wasn't parked illegally on a road that she obviously knew had no parking on it (and the house had their driveway open) why am I at fault? If I am at fault what will stop this person from doing it again as they have nothing to pay for, and the cycle will repeat. Sorry for the long post I am mad and confused?