re: Accident with a car with no headlights - whose at fault?

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Because I honestly don't know, what would an attorney do for me in this situation? Aren't the 2 insurance companies going to arbitrate between themselves to decide fault and what company pays what? Would my attorney take over arbitration for the insurance company? Or just ensure I got full value for my vehicle and no rate increase from my insurance company? Neither of us have claimed medical issues as far as I know.

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Your insurance company will look out for your interest... so long as those interest are in their interest. That is, they will only help you as much as it helps them. At some point they may decide that it is easier for them to do things one way, but that way may screw you over. Understand my point?

Just contact an attorney, give them the rundown of the events, and they'll give you an idea of what they can do for you.

My guess is that you'll probably have to file suit against the other driver to protect yourself and to get enough money out of the situation. Hell, I'd have a lawyer if only because the other driver is probably going to sue you.