OK, let me preface this by saying that I'm 100% fine. Please don't fill this thread with "whoa man, that sucks, glad you're OK" or "thank god you were wearing a helmet" or "f*ck cars, I hate cars". The sentiment is appreciated, but I'm looking for solid advice.
Yesterday evening I was involved in a bike/car accident. My normal route home from work takes me down Forbes Ave, a three-lane one-way street in the Oakland neighborhood of Pittsburgh. As per usual, all three lanes of traffic were at a standstill through this area, and I was filtering through traffic by riding down the lane markers between the leftmost two lines of cars. As I was passing an Arby's on my left, a car (heading for the Arby's parking lot) pulled out from a side street on my right and directly into my path. By the time I saw him he was a couple of feet in front of me and I had no time to react. My front wheel struck his left front fender, sending me over the bars and onto his hood, where my body rolled up into his windshield (smashing it) and then down his hood onto the ground.
I immediately got up, grabbed my bike, waved him into the Arby's parking lot, and we exchanged information in a very calm, matter-of-fact way. Neither of us was pissed, and we couldn't decide who was at fault. He called the police, who decided not to come to the scene because there weren't any injuries. A witness came up and offered her information, which we both recorded. I then had him take camera phone pictures of the damage to his car (smashed windshield, damaged trim and several paint chips), the damage to me (a few scrapes on my right hip above my ass), and the damage to my bike (bent fork and front wheel). We then talked about what happened, came to an agreement about the story, made sure each other was OK, then parted ways.
What I can't figure out in this situation is who was at fault. I think that I technically hit him, but he pulled into my path so abruptly that it was unavoidable. Is it illegal to filter through traffic as I was and if so, does that have any bearing on who's fault it was? Does fault even matter in this case, where there were no injuries or medical issues, only damage to his car and my bike? How does auto insurance figure into this scenario? Both of us have it, although his is Pennsylvania insurance and mine is from Ohio (haven't switched over yet). Should I consider making a claim on my bike, or is the cost of a replacement fork low enough that I shouldn't risk having my rates increase? Will my insurance cover the damage to his car, or will his take care of that?
I realize that these are a lot of questions, and I'd greatly appreciate anyone that can offer insight.