hey dude, im not 100 percent on this, but im pretty sure… - no matter what the circumstances… i mean… if your car rear ends someone… you are to blame… if someone cuts you off… (in the insurance eyes, you were following to close) or (we not leaving enough space) …
if your doing 80 on a main road and someone pulls out into your lane from a gas station lets say… and you rear end him… its unfortunately your fault, i know this isnt that case with you, you are lucky you hit him in the side, but good luck dude, if you ever have to explain the story, do your best not to say you rear ended him because you had no time to brake… worst thing you could do… sorry to hear ! good luck!