I was parked in parking spot with a car parked infront of me , the car infront drive out of her spot and I drove straight out through her spot instead of me reversing back. She was well out of her pot and while I was driving forward she started to reverse back because there was someone waiting in there car in the middle of the lot , I had my lights on and was in full view if she used her mirrors and checked her blind spots , I didn't beep because I was in shock but as soon as I saw her reverse lights I stopped moving and she reversed into me , I need a new headlight and there's some paint damage under the light, when I gave the girl the estimate I got from the garage she said she didn't think there was that much damage to my car and I think she might refuse to pay, she also doesn't want to go through insurance , is it her fault? Can she blame me for any of this?