While driving down a three lane road I was in the far right lane and another car was in the center lane. While driving the speed limit the other vehicle without warning smashed its passenger side front end near the headlight into the side of my car into the center of my doors denting it and scratching the entire rear quarter panel. When confronted they started to slightly pull away until I pointed at them to stop. They then backed up there vehicle in rush hour traffic to the side street to get off the main road from delaying traffic. The vehicles air bags did not deploy and they were both still operational mainly cosmetic and no one was injured. I contacted the police and when they had arrived the other driver claimed I had switched into her lane when I did not do so at all. The Police Officer gave us both Vehicle exchange forms for insurance stating that I had to give her my information since she would not admit to hitting my vehicle with her friend in the vehicle who had claimed the same story. The officer said we have to file a claim with each of our insurance companies and they would decide who was at fault while the officer ticketed neither of us. When she should have been honest about damaging my vehicle when she denied it and lied. When I contacted my insurance agency they claimed I can either pay my deductible or file a claim for the other parties insurance. When I contacted the other persons insurance they had me file a claim explain what happened and would have an adjustor contact me in the next 48 hours. I am curious what do I need to do to prove she hit me so I am not forced to pay for my vehicle when I am innocent. Also what should I expect from the adjustor and how is this fair.

