Whose fault - car accident?

Answer 1

More info-- one driver was speeding down a residential street late for work and hit a parked car's slightly open door and ripped it off. The parked car driver had a license and coverage but it was a new lease and had not yet added the new car to the policy. The in-motion driver had current coverage but no drivers license. Both claim the other is At Fault. Who is more screwed?

Answer 2

More info-- one driver was speeding down a residential street late for work and hit a parked car's slightly open door and ripped it off. The parked car driver had a license and coverage but it was a new lease and had not yet added the new car to the policy. The in-motion driver had current coverage but no drivers license. Both claim the other is At Fault. Who is more screwed?