I was on a roadtrip with a friend when we saw a car driving all over the road. We tried passing him but he started moving into our lane so I jerked the wheel to avoid being hit. We managed to avoid an accident, but I hit a big rock on the side of the road that damaged my car. I called my insurance company to file a claim and they told me that I would be considered at fault since there was no other vehicle involved in the accident. How can I be at fault when I avoided an accident with another driver that was being reckless?