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

[WiggyClawsThe2nd]

I think I'm fairly sure on this but can't stop panicking so I thought I'd ask on here.
Friday night I had a car accident. It was a real shock and it's only now that I've stopped to think about it that I'm feeling really really cross.
In the diagram I'm the blue line, the other driver is the green line. The thick lines show where we went, the thin lines indicate where you would have expected us to be going. Given that the lady tried to tell me she'd been going straight on when obviously she didn't makes me wonder if she had a mad moment!
Anyway, this particular roundabout leads onto a bridge over a dual carriageway. On the other side of this bridge you can go left onto a local road, or right to join the dual carriageway.
When we joined the roundabout, the other car was to my left. Neither of us indicated before joining the roundabout, however I did indicate left after I passed the 1st left exit as I was planning to go over the bridge and turn right to join the duel carriageway. As I was about to leave the roundabout the lady turned in front of me to head back round the roundabout and I hit her in the side of the car. Slow speed, maybe 15 mph.
It turns out that we have the same insurance company just to complicate matters.
I'm pretty sure that she is liable for this accident, what do you all think?

YABU: you are liable
YANBU: you are not liable

It's a feeder lane onto the right lane going over the bridge

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.

Ffs

To be fair, her aibu was about whether her thinking was right, and the only people who think she is wrong are the people who haven't bothered to understand the road layout or don't understand that not all roundabouts are the same and just keep insisting she should have been in the left lane or had to "cut across" the left lane to exit the roundabout.

Oh do fuck off dear

Had practically the same scenario 3 yrs ago. It was easier for the insurance company to accept the fault i am afraid and they didnt bother…till this day it boils my blood

Ah, I see 👍

EDIT: I just realised the google maps picture I am referring to was uploaded by another poster. If this wasn’t the junction you were referring to then ignore my post - sorry, this “thread gallery” thing is new to me.

I know this junction. The right hand lane is for local traffic to go all the way round the roundabout back onto the same dual carriageway to then turn left onto Vale Avenue. The left hand lane is for traffic crossing the bridge over the A27 to the second roundabout. That exit is single lane and only takes traffic from the left hand lane.

So if you were in the right hand lane marked “local traffic” but tried to go straight on over the A27 bridge then you were wrong. If she was in the left hand lane and tried to continue round the roundabout she was also wrong but she wouldn’t have been expected to anticipate that you would try and exit the roundabout where you did, therefore the collision is partly your fault. The liability will be 50/50.

Her question was about whether she had liability, not whether she was in the right. They're not the same thing.

OP may not think she was able to do anything differently, but that doesn't mean the insurers won't find her partially liable, unfortunately.

Not the same junction! This is one on the A3.

I thought that, even though she was in the inside lane when she shouldn’t have been, it’s the person who is changing lanes who is at fault.

This exact thing happened to DM. Other driver sped up going round the roundabout in left hand lane to turn right.

insurance said 50/50 as DM should have checked her mirror before coming off the roundabout.

Other driver even said she was in a hurry and late for cinema, but then made a whiplash claim against my DM

all very frustrating

The OP did not change lanes.
Cancel the cheque.

Oh whoops. Ignore me.

I agree with others that the insurance may go 50/50 with this one.
She shouldn't have turned in front of you but there will be the argument that you were slow to react. You may not get the no liability you are hoping for.

Have thought on this and what worries me the most was her comment about intending to go straight on. I think maybe this lady is unsafe to drive for whatever reason. So I've just reported to police. Let them deal with it. If I've broken any traffic law then do be it, at least I'll know. Have to deal with this roundabout regularly so makes sense to find out directly from those who police our roads exactly what I should have been doing!

Were you aware of her car as you were on the roundabout? In one of your posts you say she "appeared in front of me". In my opinion she was in the wrong but you might need to be careful with your wording to the insurance company so that it doesn't seem like you were unaware of the road conditions.

Yes, I was aware of her. I could see the positioning of her car was correct to exit the roundabout, I could see she was looking straight ahead, and I could also see her right hand indicator wasn't on! I literally had a split second to react as she swung round to the right. If I hadn't been there she would have crossed the white hatched lines and hit the traffic entering the roundabout from the bridge!

I had this exact accident when I was 20. The insurance said it was 50/50 as it was my duty to check my exit was clear - my exit was, the other driver side swiped me! 7 years on and the injustice still burns!!!!!!!

There’s clearly a mantra that instructors are drumming into learners these days about left hand lane unless past 12 o’clock. A little too hard.

Assuming this is it and you would be in the place of the pale blue car on the first picture, then from the look of the island OP it is a bit of a grey area, there is no way she should have been in the left hand lane to go around the island, but she probably missed her turn off and wanted to around the island, which is more likely than she 'lost control', you would have been in her blind spot and she never checked it obviously.

BUT, there is nothing on the island or before it that says she has to go straight on and there are 2 lanes that continue around the island (looks like three on the aerial view but it is 2), she didn't cross any white lines to cut across your path and neither did you cut across any to go straight on to join the right hand lane.

I think you were in the correct place, and she wasn't, but It looks like a very badly designed island to be honest, they should extend that hatching and make it one lane going around after the dual carriageway turn off.

Sorry @WiggyClawsThe2nd I’ve changed my mind now I’ve seen Google maps it's 50/50

it's not a two lane dual carriage way, it only separates for the roundabout, there are no arrows for you to take the left exit from the right hand lane you were in. Yes she shouldn’t have continued round the roundabout but you shouldn’t have tried to turn left from your right hand lane

So OP you’re the black car and the other woman was in the same lane as the van but instead of turning off instead tried to carry on around the roundabout?

When I worked in insurance (a long time ago) I would have put that as 50/50 because you’re both at fault. She absolutely should have been in the right hand lane to take the third exit but to go straight over you should have been in the left lane so both at fault. Even if it was 80/20 you will still lose your ncb

I hear you Op. The issue is people can't comprehend others types of roundabouts outside of the ones they use. Some posters are commenting on how the insurance company will view it, as opposed to whether you did anything wrong. And some posters, as ever, are being deliberately obtuse