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Scenario goes like this: I was stuck behind a line of cars in Lane 1 turning right so I decided to filter to Lane 2. Waited a while for some cars to pass, finally all-clear. I had entered the lane about half-way when this Nissan Note collided into my front left. I dunno whether it's evident in the video but he was filtering from Lane 3 to Lane 2. We stopped by the side and exchanged particulars and since I was in a rush to fetch my family from airport, we left the scene shortly. I did tell him that this is a 50-50 liability accident as both of us were filtering into the middle lane, so we should just both settle our own damages. https://youtu.be/P6gZbveV6Hs Subsequently, he messaged me to tell me that he's going to report the accident and claim my insurance. 50-50 accident can claim the other party's insurance? He feels that I'm totally at fault for this accident. When he makes the accident report, will the person advise him that this is likely a 50-50 scenario and thus, he should pay out of pocket for his damage? His car was quite badly damaged (dents, scratches from front driver door to rear) whereas mine can probably be settled with a polishing session. Sincerely seeking forumers' advice on whether you feel the fault lies with either party and experience in whether his claim against my insurance can be valid. This is my first at-fault accident over 13 years of driving, so not quite sure how an opposing claim on my own insurance will be handled. If he does claim successfully, I'll feel extremely aggrieved as it's clearly a case of 2 cars entering the same lane (50-50% liability according to BOLA) and risk losing my 50+5% NCD over this. P.S. My damage vs his really showed the difference between a Conti and Jap car in the event of a collision.