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

But here aren’t any exits after 12 o’clock on this roundabout so I would say you can use the right hand land for the last exit, which is at 12 o’clock

Glad you're ok.
Having dealt with many insurers and accident claims over the years, all roundabout collisions are classed as 50/50 with insurers regardless of apparent blame, even with video evidence.
Last one was earlier this year in similar circumstances to yours. Our vehicle was written off and 50/50 blame. All on dash cam.

The exact same thing happened to me and the insurance company settled 50/50.

Your insurer will say 50/50 - because there is precedent and it's very difficult to get any roundabout accident anything other than that. She was an idiot and caused the accident but you are supposed to check your exit is clear.

Sorry I dont remember the names of the court case but it was similar to this in that the driver did something stupid and still got 50/50.

I had this exact scenario, and I’m sorry to say op, but it went in the other person’s favour! I still feel rage about it

Not on the roundabouts near us on dual carriageways - the left is turn left and straight on (if straight on you exit to the left hand lane of the dual carriageway) and the right hand lane is straight on or right (and if you go straight on you exit to the right hand lane of the dual carriageway).

In this scenario the green car cut the blue car up effectively changing lanes.

Because there are two lanes on the exit! And two lanes on the roundabout. She is in the right hand lane on the roundabout going to the right hand lane on the exit. The other car is in the left hand lane on the roundabout going on to the left hand lane of the exit (in theory). The only way for someone in the left hand lane to go around the rounabout in this particular instance would be if they come out of the left hand lane and drive across the right hand lane.

it's a two lane exit, the left hand lane can only exit, it doesn't carry on.

Unfortunately OP I think you will be seen to be at fault. The other driver was absolutely in the wrong lane but if you are switching lanes or exiting a round about the onus is on you to make sure it’s clear.

But that's not what the google earth picture the OP posted shows. It shows 2 lanes on the roundabout, delineated by white lines and that the OP moved from one lane on the roundabout (the inner one) across the other to exit. I agree that the other driver was in the wrong lane, but there is no doubt that the OP moved across lanes, and presumably without checking, and so 50:50 is the most likely outcome IMO.

Here is that highway code guidance you speak of. It says "appropriate lane". Eith two lanes on entry, on roundabout, and on exit, it is appropriate to use the right lane if safe to do so.

As someone has helpfully shared the link to the relevant text in the highway code above, the guidance for lanes are to 'take the appropriate lane' if you're going anywhere other than left or right, so in this instance, the appropriate lane would definitely be the right hand one, given there is no right hand turn, and the exit had two lanes.

I don't understand? The op did have to cross the left hand lane to exit? How would she have got from the right lane to the exit without crossing the left lane? Op herself doesn't seem to be arguing that the other driver drove into the right lane, rather that she suddenly decided to keep going round in the left lane.

When there are no signs or arrows on the lanes follow the guidance in the Highway Code. In which case you were both in the wrong place.

Yes exactly - all the talk of the OP crossing the left hand lane to exit the roundabout - when in fact she would have been staying in the same lane and the other car crossed out of the left hand lane and drove across the right hand lane into the OPs path.

IMO she was completely at fault before I'd even realised that the third junction on the first roundabout wasn't even an exit she could have taken!

If she thought she was in the right to be in that lane, where the hell was your lane supposed to go?!

It sounds like you had the opportunity to stop, if you had checked your left and/or rear view mirror. Were you doing this as you exited and did you brake as soon as possible?
To be honest, when I have a car on my inside on a roundabout I'm like a hawk with the mirrors and drive relatively slowly as many drivers are unpredictable.

If the OPs roundabout is like this one, then if you're in the left lane at the point of exit then you're not really on a roundabout any more and the woman essentially turned right in front of an oncoming car. I don't see how it's the OPs fault at all.

I see why others are saying you have some liability but I wonder if there is a case to be made for the other driver causing the accident through careless driving?

They were both as careless as each other.

That's what I'm saying. The OP drove in to the side of the other car. She is at least partly at fault.

It is most likely to be 50/50 and the Case Law that supports this is the Grace and Tanner ruling which all Insurance Companies will use.

Ultimately the other driver will have to accept liability for driving in the wrong lane (going past the 12 on a standard roundabout unless road markings indicate otherwise which doesn't sound like the case here) and the OP will also accept liability for not being aware of a car positioned incorrectly (Rule 187) and exiting the roundabout into the path of that vehicle.

If the other driver accepts liability fully, due to her mistake then it would be unlikely her insurance will fight it and accept all liability, however, if she takes that general advice in the case of collisions "never accept liability" then it will likely be settled 50/50.

Here is a video from an experienced insurance liability claim handler to explain. www.instagram.com/itsbigjobber/reel/DFISIVFI2XU/