There are two potential issues. First, is liability or who caused the accident. Second, is coverage i.e. whether the policy covers this loss. You should contact a personal injury lawyer in your area for a consultation.
A good personal injury lawyer will go after the insurance on the car and recover money for you.
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Secure all evidence available - photos, witnesses statements - report this to your insurance company and contact an attorney. If injured, get proper medical attention. All without delay.
This is a pretty common scenario, I'm afraid. Yes, lots of insurance companies will try to use it as an excuse to say their insurance doesn't apply. But that doesn't mean it's true. Before choosing an attorney, make them tell you how they've solved this problem before. If they don't have examples, move on to one who does.
Andvask them how many clients each attorney in the firm has. The higher the number, the more likely it is that they'll quit on you if the insurer puts up a fight.
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