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

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.

Yes. I was aware of her. But there was only a split second as I slowed to turn left when she speeded up, up to the moment of the turn her car was still turned to go straight on, she was still looking straight on, and her indicator nearest me wasn't on. That's why I'm wondering if she lost control.

I couldn't stop completely. There was no time.

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

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.

No, despite her saying she was going straight on, her car was actually heading back round the roundabout. So the left front edge of my bumper hit her door.

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.

I'm sorry about your crash and your car being written off, but I think it'll go 50/50.

She was in the wrong lane but you were still crossing her lane to exit the roundabout. If you couldn't get into her lane safely - because her car was in it - you should have gone round the roundabout again. She had right of way in the outermost lane, because she was already in it. If there's traffic in the outermost lane you don't have an exit route so you go round again. Her mistake in lanes doesn't trump her right of way.

Yeah those impact zones are going to be messy. Have you had her version of events yet?

Yes precisely. At busy times there would be no way of getting onto the duel carriageway if you weren't in the right line on the bridge!

No. She was a lovely lady, but I'm not going to pay for her mistake!

Ignore people who say you should have been in left hand lane. Without markings you are free to use either lane for straight over.

So you hit her rather than her hitting you. It'll certainly be a 50/50 fault then.

You were both in wrong lane. You should not be discussing it with her. Leave it up to the insurance company.

If there are no markings to say otherwise you should have been in the left on approach to go straight ahead. She was completely wrong though.

https://www.highwaycodeuk.co.uk/roundabouts.html

Nope. Left hand lane for straight on unless road markings indicate different.

If there was no contrary lane markings BOTH drivers were in the wrong lane.

50/50

I'm quite worried that about the possiblity of the people saying you were in the wrong lane having driving licenses tbh... What on earth they think the right hand lane is for is beyond me.

It was both your mistake unless the road markings indicate otherwise!!!

I agree. I expect it’ll be judged 50/50.

This. 1st or 2nd exit in a 4 exit roundabout would be left lane. 3rd or back round to the 4th, the one you entered from, right lane.

If you describe it to the insurer the way you've described it here, you'll be liable.

How utterly annoying - she is clearly in the wrong and the smooth functioning of that junction is based on using the lane corresponding to where you are going at roundabout 2. But I also think insurance company will pull the ' you are supposed to be aware enough to be able to avoid a collision if another road user does something unexpected'.

And I hate to say it even if you manage to protect your no claims think they'll still put your premiums up for having been involved in an accident which always seems monumentally unfair.

But its not a 4 exit round about. There is a left turn, straight on, or back the way you came.

Turning right, going all the way round. Only straight over if there are road marking

There is no turning right! There is only left, straight on, or all the way round. Why on earth would there be a right hand lane purely for the handful of people who've taken a wrong turn and need to go all the way around a roundabout?!?

She was totally wrong. In the wrong lane.