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

The picture.

I can only hope that where it's not a dual carriage way from 6 o'clock to 12 o'clock and there are two or more lanes on the roundabout that the lanes would be marked on approach. I live in a huge city and encounter roundabouts all the time...I've just googled several I use regularly, so as to remind myself of the layout, and so far all the ones which go from one lane on the entrance to two on the exit, and similarly two on approach to one on the exit are all marked with arrows.

The one that worries me most, however, is the one in the picture below...it has left turn and then two other lanes marked straight over, except on the exit there is only one lane. I do not know how there have not been more accidents here (God knows there have been plenty). It's a terrible roundabout at the best of times (I once lost a wing mirror crossing it from another direction, when the car to the right of me in the right-turn-only lane decided to exit with me as I went straight across), and if I approach the roundabout as pictured, but wish to take the first exit, I pretty much always use the right-hand lane and go all around the roundabout in the iright hand lane, then exit it in the right hand lane, as that's the lane I have to be in to take my route home.

When my car next goes in for an MOT, I may just ask the garage to remove the drivers seat and fit a commode instead.

Edited to add: picture didn't bloody load!

She was in the wrong lane and not indicating correctly. However, you are supposed to check that you are clear to exit, and you are supposed to avoid a collision, which you did not as she was in the way, so this will most likely be a 50/50 fault I'm afraid.

This is exactly it.. the lack of dual carriageway before doesn't actually matter as there was two separate lanes entering the island, two lanes on the island and two lanes exiting the island so this diagram illustrates it exactly as it should be, left lane for straight on into left lane ahead, right lane for straight on into right lane ahead.

In the absence of signs saying otherwise this is exactly how a dual carriageway island should be traversed.

Op wasn't on a dual carriageway and it's her situation I've been commenting on.

I've also said about 20 bajillion times the other driver was clearly in the wrong for their part.

So you think:

Right hand entrance lane, to right hand lane on island, to right lane on straight ahead dual carriageway.. isn't appropriate?

Just because there is a lack of signs, doesn't mean logic goes out of the window, it is exactly as any other dual carriageway island functions.

Left hand lane approach, to left hand lane on island, to suddenly trying to turn right in front of traffic to your right hand is absolutely not appropriate, not to mention completely at odds with the highway code, and OP would be robbed if they go 50/50.

Insurance companies are notoriously shit though.

Agreed, it should be clearer!

I've found the below advice too (hopefully doesn't take long to show) which indicates you can do this if it's dual carriageway to dual carriageway. But I don't think op was on a dual carriageway so I don't think it applies to her situation.

Yes, and the highway code doesn't help by not stipulating what it's interpretation is. I stand by what I have said already - I was absolutely taught to use both lanes where no markings exist. This was in 2004.

No one has said she is responsible. The debate is whether the insurance company will say it's 50/50. It's clearly not the same as your son's case which had clear road markings.

But again this boils down to what 'appropriate' means. Clearly people here have different opinions on what is or is not an appropriate lane.

Yep, that's not what it says at all.

Actually it says the opposite of that in the highway code, it uses the word appropriate unless signs or road markings state otherwise, so in the absence of those signs you should take the appropriate lane on entry and exit.

Which for info, if you are entering in two lanes, there's two lanes on the island and the exit has two lanes, it is entirely appropriate to use either the right or the left as long as you stay in that lane throughout.

But obviously you're correct, without obvious signs on the road, everyone on a dual carriageway should move one by one into the left hand lane on approach (disregard the right one completely, you're not allowed to use that one!) queue patiently around the island only using the left hand lane, follow it round and then only exit on the left lane of the dual carriageway exit.

You're obviously one of the many, many people I see driving who have no common sense whatsoever, but that's okay, stick to the left lane and you can't go too far wrong, just don't turn right in front of cars legally following the rules of the road.

The diagram is very similar to what happened to my son recently, only he was the green line, and the blue line went into the side of him

When he contacted his insurance company, the first thing they did was go onto Google maps to check the layout and the lane markings, which clearly showed that lane 1 was for left turn or straight ahead, and lane 2 was for straight ahead only. It also helped that he had dashcam footage that he could send to them to corroborate.

His whole claim was paid - courtesy car, new child car seat - and he didn't have to pay any of his excess. Presumably as it was so clear cut, the other driver's insurance didn't quibble.

OP was definitely not responsible for the accident in the diagram provided. IMO.

Ah right, ok.

Because you take the thing as a whole not piecemeal.

Actually you should only do that if the road markings allow it. Appropriate means the lane indicated by road markings and signs

Yes, and as you can see the same as I can, the question being asked was why is it not in the picture.

It is also covered in the text that when going straight over you use the appropriate lane unless signs and arrows dictate otherwise. It does not specify which lane, but whenever I refer to the text you want to refer me to a picture instead.

because it is illustrating the specific rules of indicating (which it clearly shows), for the left hand lane and the specific rules of indicating for the right hand lane, which are listed below it.

The 'intermediate lane' which is any between right and left (and would cover large multi exit islands, so difficult to show in one picture), the guidance is different, if you read it it is none specific and says users should not indicate on entry, but should follow the road markings OR choose the appropriate lane on entry to match the appropriate lane on exit and stay in your lane until you need to alter course.. you can't really show that on a diagram.

If going straight on at a dual carriageway island, right hand lanes enter using the right hand entrance lane, use the right hand lane ON the island, then exit using the right hand lane. Same for left lane users, it's left on approach, left lane on island and left lane on exit.

That is covered in the text.
"When taking an exit to the right or going full circle,"

I don't have the answer to that, but in a general sense the pictures in the highway code are significantly fewer than the numbers of points the highway code makes in writing. For example, in that picture it also doesn't show the green car being able to go all around the roundabout and leave it at the junction it arrived at, and that it would need to use the right hand lane to do so, but could also leave in any lane on the exit where two lanes on the exit exist.

No of course not!! I've never sped neither your Honor 🤪🤪🤪

But that's the beauty of insurance.

Humans do the wrong thing because accident, they decide they know better and 101 other reasons.... because humans are humans basically.

And in goodness know how many cases, either through luck or judgment of both it will be fine.

Bit Insurance is there to pick up the prices when it isn't. And that is a wonderful wonderful thing

I only go in the right hand lane for straight over if the road markings say I can.