Q. Which driver would have been ticketed via a highway median cross-over for failure to yield the right-of-way?

Who would be ticketed is entirely within the discretion of the law enforcement officer(s) after the officer(s) speak to those on scene and review the situation. The officer(s) may or may not get it right - and that's why traffic tickets can be contested in traffic court. That's a different issue than the questions, "Who's at fault for the accident?" and "Whose insurance company should pay?" To obtain a legal opinion on those questions, a consultation with a lawyer must be scheduled, and you can likely find a lawyer in your area who will give a free consultation.