AIBU to think I have no liability here? (diagram attached)

Yes, but my comment was meant to address the incorrect general assumption that some PPs have that if you're exiting a roundabout you 'should' be in left hand lane. Lazy assumptions cause accidents.

Op's added a lot of info since that reply.

It would be lovely to have your faith that insurance companies are all for doing the right thing morally…. But think about it critically and talk to your colleagues because some give a very different story. It’s fine if there is clearly someone at fault but if it’s debatable , they’re not going to fight themselves in court.

This isn't how 50/50 works. Nor do insurance companies get to keep your excess. 🙄your excess is the amount you contribute to your repair in exchange for a lower premium. Regardless of fault.

However we can recover it as an uninsured loss if you aren't at fault. Or part of it if you are partially at fault. Many/most insurance companies will refund it on admission and recover it on your behalf.

I am not an insurance expert so I didn't comment on this part, but my gut instinct is that they would be even more likely to go 50/50, as either way it's going to cost them the same as it would 100% against one of the drivers. At least with 50/50 it's without argument, and potentially they get to benefit from two lots of excess being paid.

Nope I can assure you makes absolutely no difference. Your insurance company follows the Highway code then relevant case law.

Having worked at a few doing this job I can tell you it makes nit a blind bit of difference whether you are with the same company or different

Not necessarily- there are lots of roundabouts on my regular routes where there are two exit lanes from the roundabout and both are lanes clearly marked (on the approach) to use as exit lanes. It depends on the markings and signs at that specific location.
I went through one this morning where there are no traffic lights, but the markings on the road clearly indicate that the traffic already on the roundabout has to give way - I imagine that one takes a lot of people by surprise.

Arghhh 😂😂

A minus - why would they spend money fighting it out between themselves over takes liability? It only impacts you and it costs them money - it’s in their interest to go 50-50 and saves them legal costs, they just pay out and both of you pay increased premiums. If it was different companies there would be incentive to argue it. Sorry - it’s crap for you.

A minus - why would they spend money fighting it out between themselves over takes liability? It only impacts you and it costs them money - it’s in their interest to go 50-50 and saves them legal costs, they just pay out and both of you pay increased premiums. If it was different companies there would be incentive to argue it. Sorry - it’s crap for you.

Surely the last exit is the straight on exit here? There isn't another after it..........

"If you are taking the first exit you should always be in the lane furthest to the left.

If you are taking the last exit, or if you need to go all the way around and double back on yourself, you should be in the lane furthest to the right. This always applies, even on roundabouts with only two lanes and multiple exists."
alfiesdrivingschool.com/approaching-a-roundabout/#:~:text=If%20you%20are%20taking%20the,two%20lanes%20and%20multiple%20exists.

So, if the roundabout only has three exits, 9 o'clock (left), 12 o'clock (straight on) and 6 o'clock (where you've just come from) what is the point of having two lanes exit at 12 o'clock ?

Surely the last exit is the straight on exit here? There isn't another after it..........

"If you are taking the first exit you should always be in the lane furthest to the left.

If you are taking the last exit, or if you need to go all the way around and double back on yourself, you should be in the lane furthest to the right. This always applies, even on roundabouts with only two lanes and multiple exists."
alfiesdrivingschool.com/approaching-a-roundabout/#:~:text=If%20you%20are%20taking%20the,two%20lanes%20and%20multiple%20exists.

Really? I think if they try to put any liability on me I'm going to fight it. In my head, she caused the crash so she bears responsibility for it. I do wonder if having the same insurance company is a plus or a minus in this situation.

No you have this reversed.

If there are no markings you use the left hand lane to go straight ahead. Whether there is any another exits past straight ahead is irrelevant.

There may well be markings that alter the position to allow the right lane to go straight ahead but the OP has not confirmed that.

Again this is confirmed in the highway code

https://www.highwaycodeuk.co.uk/roundabouts.html

No

If you enter at 6 o'clock and exit at 12 o'clock you should be in the left lane. Unless markings tell you otherwise

https://www.highwaycodeuk.co.uk/roundabouts.html

Wow
So wonderfully put. I wish I could pin this to the top of the thread. And wish I'd had you in my pocket talking to insurance! Lady has same insurance company so am not letting this go!!!

No

If you enter at 6 o'clock and exit at 12 o'clock you should be in the left lane. Unless markings tell you otherwise

https://www.highwaycodeuk.co.uk/roundabouts.html

OP, I feel your frustration with some posters.

Not sure why I've bothered to spend time typing this up but I'm in the coolest room in the house so here goes.

For those at the back who are struggling to keep up……

OP and the other driver both entered the first roundabout at 6 o’clock (no, not the time, the position on the diagram) OP wanted to exit the first roundabout at 12 o’clock and the second roundabout at 3 o’clock, so she quite rightly entered the first roundabout and continued in the right hand of the two lanes going round the roundabout so she could exit that roundabout and be in the right (and correct) lane to turn right at the second roundabout. The other driver entered and stayed in the left hand lane which is for vehicles exiting at 9 o’clock or at 12 o’clock and then continuing to exit the second roundabout at 9 o’clock. Instead of staying in the left hand lane she, without indication, turned right in front of the OP once she had exited the first roundabout.

She said she wanted to go straight on (12 o’clock exit) so should have stayed in the left hand lane. If she needed to exit the second roundabout at 3 o’clock she could have moved from the left hand lane to the right hand lane on the road/bridge between the two roundabouts, if traffic permitted, or, after exiting the first roundabout in the left hand lane entered the second roundabout, in the left hand lane but indicated right and carried on round to the 3 o’clock exit.

If she’d realised she should never have entered the first roundabout in the first place then she should still have carried on, straight, to the second roundabout and indicated right to go all the way round, back to the first roundabout, exited at 6 o’clock and gone back to where she should have been in the first place which was probably the driving test centre.