I've never posted anything like this here but FSU seems to be a huge wealth of information and experience, I might as well take advantage of that!
Thursday, I was coming home from school and ended up in a very minor accident. I was waiting at a stoplight where there is a left turn lane and a lane to go straight/right and it's the same on the other side. I was going straight, the woman in the other car was coming from the other side and was turning left. I'm not really sure what happened as it all was so fast, but my light went from green arrow for the L turn lane to green and I went and I didn't even see her until she was right in front of me. I don't know what her light was doing, but I'm guessing it was the same sequence as mine. After we pulled into a parking lot/asked if each other was ok/assessed the damage/started exchanging info, she said "I was in the middle when the light changed, I had to go." So it sounds like she lost her green arrow but went through and then I hit her. A cop pulled up (neither of us called) and he took written statements and gave us a small report that only had contact info and basics of where the accident occurred. He didn't issue any tickets or say who was at fault.
Everyone was okay, no airbags went off. The damage was very minimal - the corner my front passenger bumper has a small crack and some damage to the paint plus the blinker light cover is broken. The other car is basically the same except on the rear passenger bumper. Seriously, 6 inches and we would've been clear.
Today, I got a phone call from my insurance company because she's filed a claim and they needed a recorded statement from me. After asking me tons of questions and after she stopped recording, she asked if I knew there wasn't collision coverage on my car. I talked with my parents (I'm still on their policy) and that was news to them.
So who is at fault here? I feel like she would've lost her right of way when her arrow disappeared but I don't know how it works. What happens next? I've given my statement to Allstate, they were going to call her for hers after mine. I filed my claim with her company and am waiting for a call back. After the insurance companies get their information, what happens?