I agree with everyone who said that the moving car (B) is at fault.
A good tule of thumb is to ALWAYS call the cops if there's an accident. If you haven't called them yet, do it now.
Even if they tell you it's your fault (that happened to me once -boy, was I surprised!) the cop serves as an impartial witness to the extent of damage and maybe even "injuries." Cops really are your friends, unless they're shooting you.
If Maryland is a "comparative negligence" state, the insurance companues will decide on asplit, with the majority of the fault lying with the operator of the moving car, who is required to have his vehicle under control at all times.
As for the collision insurance, the advice you got neglected to mention that if your car is worth $3K and you have no collision, you'd better have $2,999 in the bank to make your "bet" worthwhile. What if you were hit by an ununsured motorist?
Get the advice of The Honorable Mr. Naeblis, Esquire - he's a Watchtower attorney!