I got in a freakin' minor collision yesterday. Insurance says it's my fault on the technicality that he hit me when I was changing lanes. He came from behind but the damage is to the left rear fender, on the side but on the rear quarter of the vehicle - I don't think it scratched the back door. It was so close to the back. The guy got really mad when I wouldn't say whether it was my fault. He wanted to be able to say that I admitted fault. I didn't . I called the cops. It was a fiasco, but in the end my insurance informed me that because I was merging we would assume fault.