Who's at fault? So the oncoming car was turning as I was approaching the car from the other direction. He should have yielded to me but instead tried to turn quickly. I swerved to miss the car and in the process hit a telephone pole. The other driver admitted guilt and stated that in the police statement along with his insurance information. He also stated at the scene that his insurance should pay for it, but I'm wondering whether the insurance companies will see it that way. He has nationwide insurance, I have progressive but I only have liability. What's the story? Who's at fault? Who pays the bill? What are my options if his insurance doesn't cover my damages?