Saturday evening on my way to my boyfriends home I was involved in a car accident. I was drving in the middle lane of a 3 lane road and changed lanes into the right lane one vehicle whipped out infront of me and another a large chevy van, which my mercedes was obviously no match for in size, just pulled right out after him. I tried to stop but couldn't seeing as I was doing almost 45mph. She hit my vehicle in the left rear with the right front of her van, sending me and my cara flying into a light pole. Had we been swtiching lanes at the sametime i would have hit her in the side so since I myself had changed lanes seconds before she did and was more than half way past her car when she pulled out does anyone have any idea whos fault this is? Should her ins pay it? I do have a wittness who saw her hit me The officer refused to issue a ticket and I pay really high ins and do not want it to go on my ins. I owe 3500$ on the car. It looks like she did about 7k+ damage. I need a car so that I can get to and from my office when I need to, and was planning on getting something else by the end of the summer anyways. At this time however I have no money saved for a down payment. I really need some suggestions any help from someone in the ins business would be great. Thank You.