sad day...
1. You were crossing lanes and collided with a car that was completely in the other lane. This is 100% your fault.
2. The other car may have been traveling at an unsafe speed (but without a police report or witnesses to back it up, I doubt it would stick.) They would only pursue this if they thought they could get away with screwing his insurance coverage too.
I would talk with a lawyer - particular in regards to how the police handled your side of the story (e.g. not at all.) Maybe the lawyer can find a reason to discard the police report because of apparent favouritism, no statement from your side, and of course relation to one of the accident victims.
Just my .02 - having had to deal with our crappy insurance monopoly on 5-6 separate occasions now, and being a very objective person (even towards myself), I can pretty much tell how they will determine resolution right away.








