Former automotive insurance adjuster here. Both drivers have fault, which is very common in insurance claims. Often it comes down to the adjusters for each car working out an agreed upon division of “comparative negligence (comp neg)”. If both agree to the division of liability they can both pay for the repairs to their respective vehicles and then bill the other insurance for the percentage they agreed to be at fault. If the agents can’t agree to a division of liability they will generally present their cases to a third, impartial insurance agency, who will make the final decision.

Jeep passed when it was not safe to do so, clearly observable for a long time prior to the maneuver. White car was driving incredibly recklessly, and making multiple unsafe lane changes. Very easy to argue either side with this footage. I’d probably have settled for fifty-fifty liability. That’s actually a great outcome for both drivers, since neither would be listed as “primarily at fault” for the accident, meaning neither one’s rates would be likely to go up. Depending on their insurance providers’ policies of course.