Bunch of low ball losers. You can be pretty certain that they are going to try to low ball you. They are car salesmen. You need to call your insurance company immediately. You are at no fault and they will stand behind you. The dealer will pay and your insurance company will make sure of that because they dont want to pay for the damages - they were not liable. It will not affect your insurance rates either. They are the first people you should call in this case.