clipped wing mirror a bit shaky but ok, who is liable

[omodos]

sorry to be posting during the holiday season but any feedback would be much appreciated, 2 two X5's travelling in the oppostie direction, narrow lane, drivers side wing mirrors clips each other, hers breaks mine is fine(a little wobbly from an old injury when i walked into it).....

She told police i went into her lane (lie) and i told police i was in my lane correctly as i should have been

no police or insurance was called at time of incident but i reported it to my insurance company as advised to by police.....insurance office opens monday and am real anxious for feedback from you guys until then , who is liable, who pays for what here? will they find us both at fault? and tell each of us to pay for our own damages(in my case non existent)? cos lets face it if we start the blame game it wont end, my wife was witness in thr car with me that i was driving ok but the other party 'found' a witness to say i went into her lane! and without video or photo footage nobody will know for sure .....

or will her insurance people claim from mine, and mine just pay up....in which case my insurance premium rockets!I anybody know what the rules are re situtations like this?much appreciated if anyone can reply