Alright Kancho

I have been in this situation and I hope my experience benefits yours.

First of all you have to file a claim with your insurance company since both parties are claiming not guilty. Next, the companies will setup an arbitrator, somebody who is going to investigate on the claims. The arbitrator will hear both sides of the stories, possibly one more time (will be recorded again). He will then make a call on whose fault it is; it is possibly he could split the faults OR favor one party. If you don't like the call, you can then goto a county court and file a civil law suit.

The best case scenario for you is thus if the arbitrator decides in your favor.

I lost my case as the other guy blatantly lied as well; but lessons I learned can be used in your case. Here are my pointers for you to win the case.

1. Get your story straight. It took other responders multiple posts to understand how the accident happened. Make it simple.

3. Your story isn't adding up at all. You said the guy was in the left lane a little ahead of your car and he merged to your lane to pass the car infront of him. If he came to your lane and he was ahead of you, how did he touch your rear bumper?? Your front bumper should have touched his rear. If you are saying his front bumper hit your rear, why would a guy who wants to pass a car in front of him, come to your lane when you are clearly ahead of him???? If I was the arbitrator I'd find you guilty.

3. Expect questions from the arbitrator and don't hesitate.

Whatever happens don't take it to hard on yourself. I lost my case and lots of money for something I wasn't guilty for. Letting go is easier sometimes. If you really want to teach him a lession you can sue him but remember you don't have much proof of what happened and the judge will hear the same story that the arbitrator is going to.