OK well ill try to explain the accident without using the real names of the streets. I was heading west on main st and came to a stop at the intersection of main and washington ave, its a four way stop. So I wait till im clear then I go ahead on my way through, I noticed the other car slowing down and it looked like it was coming to a stop heading south on washington, then when im a little more than half way through I look to the left and see the headlights of the other persons car then BAM, im heading towards the curb but I straighten it out and make a u turn and pull up next to her and tell her to pull into the parking lot next to the accident (she had her cell phone in her hand, im not sure if she pulled it out right after the accident or before). First I wasn't even worried, she said she didn't see my car because it was dark and my car was black (even though I had my head lights on), but I was happy that she taking responsibility for it at least so it seemed like it would be smooth. The cop arrives and takes our stories, but he takes us to the side to get each story so I don't know what she said. Then today I get a call from her insurance and now she is saying that I didn't stop! And her insurance is saying that it will most likely be split between us 60/40 or 50/50 or something like that. Now im getting freaked out, I am a very very cautious driver to the point where my friends even joke about it at times, and now her insurance is saying that I might be considered liable too. Does anyone have experience with this stuff before? Is her insurance just trying to play mental games with me or something? I mean the damage doesn't even match what she says, my car is just smashed in from the back door on the passenger side to back tire, and its not like a swipe. I would post pictures but im worried that I could get in trouble for posting that stuff when the case is still open.