Oncoming driver is not the one at fault. you (if it's you) quite clearly go over to HER side of the road as there is a car on YOUR side.
The passing point where it would be YOUR right of way doesn't come into play here as you hadn't got to it yet.
Police matter. Nothing to do with driver rating, furthermore placing on public forum could prejudice case if the accused finds this it could be used to throw out any case brought.
Dangerous driver beware! Wheelspins to impress school girls