Hello, my insurance put me at fault for a rearend and I know it’s usually 90% the rearenders fault in these incidents though I believe that there is always some gray area like in this case. Aside from me rear ending someone suddenly stopping on the highway and being decently apart, I managed to give them a love tap. Person was generally nice about it and we exchanged info and I took pictures. That night she texts me saying everything looks fine with the car and to not worry about it. 10 days later she sends me a picture of their car and says their mechanic found a chip damage and would like to be compensated $600. Thats when I decided to rather go through insurance but they found me more than 50% at fault. Is this worth appealing at all or is it possible to get less than 3 points from this incident?