Your insurance company is going to review the police report, your statements, and the statements of witnesses and the other party. After they review that they will make a determination of fault and decide to accept liability or not on your behalf. If you think that you were not at fault in the accident make sure that you file a claim against the other persons insurance.
In all states an accident in which damage occurred (and even those in which there is no noticeable damage) are supposed to be reported to the police immediately and at the scene of the accident. If there is no police report it becomes next to impossible to collect compensation from the insurance company.
Yes. Although a court would consider such a report as highly valuable in determining the nature of an accident, and while it may be very helpful to a court in determining fault, there is no legal requirement for a police report to be done in order for civil liability to be assessed from an accident.
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