My question involves a traffic accident in the State of: Maryland (yikes)
I was traveling south on Rt. 5 and coming up to an intersection/traffic light. There was a total of three lanes. The left lane had approx. 35 to 40 cars that were stopped, most likely waiting to get into the left turn lane and for the left turn light to turn green. The middle and right lane only had a few cars in them heading towards the light. Without a turn signal or other warning, a Dodge Silverado attempts to change lanes from the left lane into the middle lane, but collides into my Lincoln. I was traveling approx. 5 miles under the 55mph speed limit while the Dodge has been completely stopped a fraction of a second earlier. There was no time to react/break, as I was not attempting to switch lanes and was hit from the side as opposed to rear-ending someone.
On the Dodge there is damage to the passenger side fender and on the Lincoln there is damage starting at the driver's side fender, stretching through the driver door, rear door, and quarter-panel. After pulling to the side of the road, the driver of the Dodge stated he did not see the Lincoln and urged me to not call the police and that we could meet at a body shop the next day. I then promptly called the police who took both statements and provided a case number. To my knowledge no tickets were issued. After all of this took place, I asked the officer if the stories added up to which he replied "Yup, everyone said the same thing". The officer then gave me an "exchange of information" sheet, that had our insurance policy/provider, but it also said there would not be a report because nobody was injured and both vehicles were able to drive away from the scene.
The very next day as I was attempting file the claim through my insurance, I learned that the other driver is claiming it was my fault and that they had made a claim. The insurance adjuster is now telling me that it may be an issue of "shared responsibility" and that I will need to give a recorded account of what happened. I also took pictures of the damage on my car and submitted it using my insurance's website. I was told that the other driver only admitted to merging, but not anything else.
The first question I have is; who is at fault here? Is it possible that I could somehow be pinned for even a small fraction of the fault? Is there anything else I can be doing right that would help my situation?