Three months ago our daughter backed into a visitor’s car that was in our driveway. The car was black, it was night, and it was parked right in the middle between the two garage doors. She opened the garage door and proceeded to back out, not seeing the car that was right there and certainly not expecting it to be there, as there usually isn’t a car in our driveway. The owner filed a claim. Currently, our daughter and her fiance are shopping for insurance, and they find out that this claim on her record is going to cost them significantly. She has been driving for almost eight years and has never had a ticket for speeding or any traffic violation. It seems unjust that she is penalized for this. It wasn’t a result of reckless driving. It didn’t even occur on a road! Is there any way she can address this and have this claim removed from her record?