Got some info from reliable sources (State Insurance Arbritration Panel)

Deducting settlement or split responsibiliy only applies if the insurance company can prove that I contributed to the accident by actions or neglience. In this case and based on what he's seen in past it would be very hard to prove making room on road contributed.

Body shop estimates were thankfully much lower than first suspected 3 estimates ranged from $3800-4300 (dang the windshied post molding was $330, door shell $800 and front fender $380) Paint was expensive. I have not gotten truck companies' the insurance company estimate. They wanted me to take the day off and meet at my house between 8am & 4pm...I gave them the address...nieghbors say he came by. Probally mail it to me. I expect it to be alot less than body shops...let the BS begun.