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

Without knowing the exact junction it's hard to say further. People often say things as fact, e.g. you can never turn right from the left land of a roundabout when road signage can allow that.

I sometimes do this roundabout and a lot of people try and use the right hand lane to go straight on when the right hand lane is for doing a full circle to get back to access a left hand turn lane only and is clearly indicated by signage.

But OP was going for the final exit, what is the right lane for in your scenario? Just for U turns? Do you think the left hand lane then just splits into two lanes on the exit instead of having two lanes coming on and then coming off?

To be certain we’d need a screenshot of google maps for the roundabout.

But I think having the same insurer might be helpful to you as it doesn’t matter to them if they settle 50:50 or if they find in favour of one of you so they might be willing to back down.

Where were you going at the second roundabout? If you were turning left, then you being in the right lane wasn’t the best choice.

Quite a bit of experience in claims here and I’d expect 50/50 here. You should have already moved into the left if you were turning (and indicating), and part of driving is constantly being aware of your surroundings, other cars, checking all mirrors etc- that’s why failure to check mirrors before indicating/moving can cause a driving test failure.

I thought most roundabout incidents end up being 50:50. Unless you have some sort of proof like a dashcam.

She was in the wrong. As you're the same insurance company they'll likely put it 50:50 as it's moot to them who's in the wrong.

Yeah, I do think there will be a liability here. She is 100% wrong, but accident avoidance is also required of a driver. It feels unfair but will be down to where she hit you. If she hit the front of your car, I’d say that was a failure to check properly when exiting, only if she hit the rear of your car would there be no fault from you.

Ignore my second comment then 😁

And yes, you should have been in the left lane by the time you were turning to exit as well. Both wrong here.

I voted YABU, because although she was in the wrong lane, you have to be aware of your surroundings and when driving, you can’t “expect” or “assume” where someone is going and act on that alone. You clearly didn’t check your mirror before turning. You DO have some liability here, even though she was making the initial error.

She was in the wrong lane, but if you hit her in the side, you drove into her. Insurance will almost certainly call it as 50:50.

As you were exiting at the second exit, also it's straight ahead, I've have expected you to be in the left lane to be honest. But I think you'll be knock for knock because even if she was in the wrong place, you are responsible for checking that your exit is clear.

Honestly, I think you were both wrong. Unless it's a three lane roundabout? YOu should have been in the left hand lane to turn left by then, and she should have been in the right hand lane. She is MORE wrong, but if i was your insurance company I would consider this joint liability.

She was absolutely in the wrong lane. I don't know how an insurance company would view it though. Could they argue you should have ensured the way was clear before you exited?

I've had a similar experience but could see the driver in the wrong lane, effectively blocking me from exiting so I just had to go all the way back round the roundabout again.

That diagram melted my brain!

I think it depends - are the roads marked? Is there a sign telling you which lane to be in for which turn off?

I can’t see how, when there are two lanes, you’d be in the left hand lane to turn right, though!

she did a rather dumb and unpredictable turn. You went into the side of her. Let the insurance company sort it all out and move on.

I hope you aren’t feeling too shaken up.

That diagram melted my brain!

I think it depends - are the roads marked? Is there a sign telling you which lane to be in for which turn off?

I can’t see how, when there are two lanes, you’d be in the left hand lane to turn right, though!

I think she is in the wrong but I'd also expect them to rule that you should have checked your inside before exiting. I would expect 50/50

Sounds like she probably should have been in front or behind you in the right hand lane and realised that she was in the wrong lane. But, insurance will probably 50/50 it as it's a roundabout.