Auto Insurance Claims: Whos at fault?, civil matter, accident scene

Question
Hi,
 So here is the deal: I was riding my motorcycle around a bend to the right on a two-lane road. On the inside of the bend (to my right) a car was waiting at a stop sign to make a left onto the road. As I approached, he started to pull out as if he didn't see me. I immediately started slowing down and he hesitated as if he just saw me. I was still approaching him and it looked like he was going to stop in the middle of my lane, so I started to swerve left into the opposing lane (it was clear) because my only other options were T-boning him or riding off the road into a dirt shoulder and fence. He started to speed up again to get out of my lane, so I tried my best to swerve back to the right side of my lane. I couldn't get over enough and the front-left corner of my bike impacted his driver's-side back door. Keep in mind I was slowing down as much as possible without flipping over or dropping my bike this entire time, and I cannot recall if I actually past the centerline in trying to avoid him. Seeing as there were no witnesses and no police report filed, neither of us can prove it. So my questions are: Who is at fault? Who's insurance should cover the damages? Can the insurance companies decide between themselves who will pay without a police report? If the other guy's story differs much from mine, should I expect a trial in court? Thanks much for the help.

Answer
Without seeing an actual diagram of the accident scene, points of impacts and interviewing both drivers, there is no way that I can speculate on the liability.  

Yes, the insurance companies can investigate and determine liability without a police report.  This is a purely civil matter and the police report only serves as proof that an accident occurred.

Property damage claims rarely go to court.
I would let the insurance companies do their job on this.
Good luck!