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

If you had started taking the exit and she drove into you your side, she would 100% be at fault. But unfortunately, you drove into her. So it is inevitable that some of the responsibility is yours. I really can't see this going any way other than 50:50.

To all those people talking about the 12 o clock rule, if that was applied the lane the OP was in would be lane purely for going all the way round the roundabout and back out the same direction. There is no other exit after the straight ahead one.

Unless there are markings on the road to indicate the right hand lane is for straight over, you should have been in the left hand lane.

Both of you in the wrong lane will be 50/50

Otherwise it gets more complicated as it would be mostly her fault but you may have a small amount if liability on the base that you should have check the way was clear. That is likely to get very messy and depends on where the impact is on both cars

You are clear bothe wrong.

You shouldn't have maneuvered without checking it was clear to do so.

She is clearly in the wrong lane and a case could also be made for you being in the wrong lane based in 12 o'clock rule.

Hang on, you said she said she was going straight on. Did you hit her at a 90 degree angle or were you both trying to go head on and just drifted too close together?

Looks like you were both in the wrong lane? You really ought to have been in the left lane, and she was obviously totally wrong to not be in the right lane.

Along with my OH, I was witness to an identical accident several years ago and it was interesting while not being as clear cut as people may think.
Happened while we were in the West Country on holiday.

Two cars enter roundabout on duel carriageway. LH car indicates right and while keeping within the lane, crossed the path of the RH car which is going straight on. Done at speed, the damage was considerable.
OH & I were driving directly behind and could clearly see there was going to be a collision so we slowed (and a good job we did!).

Police were parked just up the road and were on the scene in minutes.
We explained what we saw, gave a statement and we're told we would more than likely be called as witnesses.

In the following months, we were interviewed (at home) by the two different insurance companies as it was actually proving very difficult to prove liability and the damage costs were considerable (both cars written off plus injuries).
It all hinged on the fact that the LH car, while in the wrong lane and crossing the path of the RH car, was clearly indicating right (as we confirmed in our statements) and therefore there was the argument that the RH car should have slowed instead of going across the roundabout parallel with the other car.

Eventually (more than a year later) we were pre-warned that we would be compelled to attend court (200-miles away) as we were key witnesses to the case. Expecting to have to make arrangements to take time off work and travel to the West Country we were later told that they had finally agreed liability and we would no-longer be required.

Never did find out the exact outcome.😖

That is not correct. For going straight over where more than one lane exists, the highway code says that unless there are signs to say which lane to use, the driver should pick the "appropriate" lane. Without arrows and signs etc. the OP will have been entitled to use the right hand lane if she felt that was appropriate.

This happened to us and insurance was in our favour

Former car claims handler here - although it's been many years. That's a 50/50 fault I'm afraid. Yes she was in the wrong lane but you didn't check your exit was clear.

Not necessarily true though - this roundabout is effectively two exits only. It absolutely makes sense for people going straight on to go in the right hand lane, otherwise nobody would use the right unless they're doubling back on themselves

In order to not hit her at all I'd have had to come to a complete standstill on the roundabout.

Your update isn't helping. So what if you had to stop? It is still your responsibility to be aware of whats happening around you. Hitting her caused you both and everyone else to stop anyway.

This is why you will nowspend £25 on a dash cam from Ebay so you can protect yourself in a scenario such as this.

So long as there is nothing to say you can't go straight over in the right hand lane, you have done nothing wrong.

However, unless the other person admits she wanted the exit after yours, you are going to have a big job proving your part. You are also supposed to ensure the lane next to you is clear before exiting (though I am still on your side). The same thing happened to me on leaving a two-lane roundabout. It went 50/50 even though I wasn't to blame...roundabouts are notorious for 50/50.

I would have said having same insurances makes it quicker and easier to resolve, if anything. All you can do is tell the truth and hope for the best.

You drove into the side of her so I can’t see how you’re not at least 50% to blame. She may have been in the wrong lane but that doesn’t mean you can just drive into the side of her car!

agree you're both in the wrong lane for where you wanted to travel.

On approach to a roundabout, IF you will be exiting past "12 o'clock" (on a metaphorical clock) she should have been in the right hand lane when entering the roundabout, therefore she is in the wrong lane.

But you should have been in the left lane as you were taking the second exit (i.e. at "12 o'clock")

Make sense? 😉

But weren't you aware of her as you drove onto the roundabout? She must have been on your left the whole way and whilst you would have been entirely reasonable to assume she was turning left or coming off at your exit, you would also be checking to make sure she definitely was?

It's worrying how many people assume all roundabouts work like this

Actually your both in the wrong so 50/50.

1st lane is for 1st exit and 12oclock straight ahead exit. For anything after 12oclock it’s right hand.

She is in the wrong.

BUT arguably (I think according to the Highway Code these days), you should have been in her lane and she should have been in your lane.

For a two lane roundabout, its usually the responsibility of the right hand land driver to check the left hand lane is clear before crossing it.