Actually what the police determine is almost useless. It is what the insurance companies think.
I was in an accident where a lady crashed right into me head on. She was 100% at fault. She gave a statement to the police saying so. When it came to getting the $ from her insurance company they tried to say I was at fault. It took us almost a year to get the money back because the insurance company doesn't really care what the police statement says they just don't want to pay.
The police statement basically meant almost nothing. So what'll happen is if she makes a claim and says you were at fault your insurance company will fight to the death to make sure they don't have to pay. As long as you make sure your statement to the cops and your insurance company that you made a standard lane change and that the lady is an idiot and slammed on her breaks unnecessarily she'll be at fault.
Worst case is 50/50.
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