In this instance, it sounds like you are being held "at-fault" for the accident. So, here's what you should do:
- Call your insurance company and speak to their claim's department. The claim's department will do their own investigation of the claim and eventually pay for the damages. If the damages exceed your property damage liability limits, you will be responsible for the remaining damages.
- If you want to take legal action, you need to speak to an attorney and see what options you may have.
If you're looking for information on the claim's process, see here
is more information on what to expect when filing a claim. Good luck and if you have any further questions, don't hesitate to ask