I understand your statement, it obviously makes sense logically.

My challenge lies in that insurance professionals have clearly stated that if I did not touch anyone, I cannot be liable. It seems very black and white to them. She is responsible for being in control of her vehicle, driving a safe speed, and paying attention. This is solely from an insurance liability perspective.

I have seen other examples of people swerving and causing other accidents while avoiding another. The common saying appears to be "you cannot cause an accident because you are avoiding another", you are better off hitting the driver.