Your husband would have had an obligation to not cut in front of a vehicle that was in lane. I think that that is what your insurance is saying. Much of this depends the very specific facts of when your husband started into the lane and where the other vehicle was when he started into the lane.
Sounds like a case of disputed liability. Let your insurance carrier sort it out.
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Hire a lawyer ASAP and do not give any statements until you do. This could be a comparative negligence situation where you and the other driver are both partially at fault. It's complicated so get a lawyer.
There is no way to determine fault from a short Avvo posting, but have a local car accident lawyer review. Also, insurance companies try to get out of paying whenever they can, so never listen to an insurance company.
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