How can I help with this please?
There is fault on both sides in truth.
If you were overtaking then it is for you to check that the route is clear.
Equally though it is for her to check that her path is clear before manoeuvring.
You will not be automatically liable because you were overtaking and there would be a massive reduction for contributory negligence even if you were if the facts are as you say.
Can I clarify anything for you?
It will be for your insurance to deal with this.
You shouldn't be liable at all. It is your insurance company that will.
They may put the premiums up but there should be no other impact.
That depends really upon the level of the damage.
If you mean insurance categories though then they only apply when a car is written off. Cat D is the entry point for vehicles that can be repaired but are not economical to repair.