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

No,

‘Induced accident
In an induced incident, the criminals will target an innocent motorist to make them out to be the 'at fault' driver in an accident. The induced incident can take many forms, some of the most common scenarios are explained below:

The driver of the vehicle in front suddenly slams their brakes on and you run into the back of it – the driver then insists it's your fault. Some criminals will intentionally disconnect their brake lights so you don't know they're slowing down until it's too late.’

Source - https://www.askthe.police.uk/faq/?id=096702c4-7a78-ec11-8d21-6045bd0f2a10

Exactly - the road markings, which were what I was mentioned in my original post.

Wow, some people really have no idea of the Highway Code and should hand their licences in immediately.

Big Jobber (if you know, you know) has covered this exact scenario frequently… in short the best you can hope for is split liability. And the reason is that you cannot exit a roundabout and cut across the inside line unless it is safe to do so. In your case it wasn’t (it doesn’t matter that the other car was in the wrong lane). So split liability is best outcome, but it could be that you are found fully responsible.

It won’t let me post a link, but Google “Big Jobber Ferrari roundabout near miss” and you’ll see what looks like exactly the incident you describe, except they managed to avoid each other.

Split liability is the most likely result.

I don’t understand your comment regarding ‘you cannot exit a roundabout and cut across the inside line’. OP wasn’t cutting across anything. She (correctly) took the right hand lane entering the first roundabout and kept to the right hand lane (correctly) and exited at 12 o’clock in the right hand lane to progress (correctly) in the right hand lane to the second roundabout to turn right in the right hand lane of the slip road.

The other car entering at 6 o’clock and taking the left hand lane should have exited at 9 o’clock, which she didn’t, or exited at 12 o’clock in the left hand lane. She could then either have exited the second roundabout at 9 o’clock, on the slip road, or 3 o’clock (in the left hand lane).

Instead the other driver started exiting the first roundabout in the left hand lane but then cut across OP towards the hatched area which is why OP, despite braking hard, hit the other car’s side. What the other driver did was erratic at best especially as she wasn’t indicating to turn right. She even said she was going straight on but she didn't; she started to go straight on but then cut across OP.

For those who keep saying OP should have been in the left hand lane across the first roundabout; I wonder who they think should be in that right hand lane ?

(Honestly not trying to be a pain) but have you googled the phrase I suggested, (I replied to my original post) you’ll see it explained on that by a guy who was a loss adjuster for many years and now has an internet career explaining liability on YouTube!

But basically you’re right the other driver is not blameless but that isn’t the end, neither is OP, hence 50% split.

I've had a bump in exactly the same circumstances, I was in your position. Insurance decided other driver was at fault.

Im not sure, in the left lane she should have been going left or straight ahead.

But you crossed into her lane and hit the side of her car, she might have been going ahead but trying to also get in the right lane for the second roundabout.

I can see why you would assume she was going straight ahead in the left lane. But you crossed the lane and hit her. And you say based on the fact you hit her crossing in the correct place for you to come off she must have been turning right, but she said she wasnt. That could be true she could have been planning on going ahead in the 2nd lane. I think the fact it was you hitting the side of her car its more likely the insurance will consider it your fault based on where the damage is

This happened to me exactly like this. Arrows and all indicating the lanes to show the other car wasn't in the correct lane. Insurance said 50/50 because I should have been aware she was in the wrong lane and stopped to let her go around again... could have fought it but too much hassle. Insurance only went up 50e.

What aload of bollocks! The ferrari is in the complete wrong lane for exiting and actually drives OVER a lane dividing lane without indicating to cut across the renault, (which is what the woman in OPs scenario did) the renault was driving in the correct lane to carry on round the island but had drifted wide and then forced even wider by the ferrari trying to muscle in to their lane. Ferrari is very much in the wrong in this situation, wrong lane, and forced someone else out of their lane/driving line instead of positioning themselves properly to exit.

What has this got to do with OPs scenario? She was driving in the correct lane, taking the correct exit lane and the woman on her left decided she needed to turn right into the path of OP (very much like the ferrari did here).

She didn't cross any lanes!

two lanes INTO the island
two lanes ON the island
two lanes OFF the island

at no point did OP deviate out of the right hand lane, the other woman was in the left lane but left her lane to go around the island again, cutting over the right lane at a 90 degree angle straight in front of OP.

Left lane is for left turn, and left lane straight ahead ONLY.

right lane is for right lane straight ahead or continue around the island.

You can't use the left lane to continue around the island unless the signage permits it, in this case it doesn't, so standard highway code rules apply.

I had this exact same accident and I was the blue. The man admitted fault at the scene tbf but my insurers still pulled up the site on street view to view what the road markings said.

Rule of thumb says if you are going straight on you should be in the left lane. Have I missed something?

I think it depends on the markings on the roundabout and where on the other persons door the impact happened.

OP said the other driver denied she was going right.

@grumpygrape @PumpKim and all others that reassured me that I wasn't to blame............ the insurance company has just let me know that the other party is 100% to blame, and I don't have to claim on my insurance. I'm soooooo relieved. Looks like the reams of diagrams, map screenshot etc I sent to insurance assessor actually did the job. Thank you all, I had no idea how invested you all would get in this!

All the way round the roundabout in the left hand lane? Madness. I would have been in the left lane to go 'straight on' and in the right hand lane to 'turn right'. You may both be at fault.

See final update!

Sorry, but what your insurance company thinks doesn’t matter until the other insurance company agrees to it. You don’t get to mark your own homework.

As soon as the other insurance company gets involved they’ll be looking for split liability.

We are both insured with the same insurance company. Nice try, but happy relief not dented in the slightest!

That's fantastic OP, I did think you may get stiffed because of the lack of signage, so I'm really glad it went your way!

Common sense prevails!

I hope you still use that island now knowing that you did nothing wrong in the slightest.

Thank you!!!
I think I'm always going to be nervous on it now, but my new dashcam arrived today so once it's installed I may risk it. I think I may be circling that roundabout a lot in rush hour though as I'm not sure I'll ever have the guts to exit if there's another car next to me again!

Wahooooooo for common sense! 🍾

Oh, do keep up at the back 😘

WiggyClawsThe2nd. I do try not to get too invested on here but there are times…… I am so pleased you have this outcome. As they say nowadays, RESULT !.

It may take a while for the brick pattern to fade from my forehead 😊

I too hope WiggyClawsThe2nd continues using the junction, boosted in confidence with the Dash Cam.

Wouldn’t it be good if just a couple of the naysayers apologised for being so obtuse and criticising WiggyClawsThe2nd for actually doing the right thing ? I’ll not hold my breath….