Legal Question in Personal Injury in California

. You can be assigned points against your record tha might increase your insurance rates only if you are at least 50%+ at fault. So no points go against your record.

I assume that the intersection was not controlled by a trafffic light or if it was that you entered on a green light and the other car then entered when the light was green for them. They have a legal duty not to enter the interesection until it is safe to do so; yo have the right to clear the intersection. I do not see any negligence on your part; you may not have operated the vehicle the best under the circumstances, but that does not mean you were negligent. When you have the legal right to do something, you can proceed doing it until it is clear that an accident might occur if you do not change your action. I think that it is a logical conclusion that you have no negligence.

Check your insurance policy to see if you must be paid your full property damages whether or not you have any fault and whether any deductible is waived when the other vehicle involved is also insured by yor company. Also, tell the adjuster that it is a clear conflict of interest for him/her to assign any percentage of negligence to you when the other vehicle is also insure by them.