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

The road markings, or lack of, make very little difference to culpability here. The OP tried to exit a junction that wasn't clear and it was the OP who hit the other car, not the other way around.

it's not just her mistake though @WiggyClawsThe2nd

This is why, in that situation, I always take the near side lane, (Green). Occasionally I’ve had drivers do that.

I failed my first test for expecting someone to do something they signalled and were in the correct lane for. I was at a T junction with an exit right and left, I was going left, the car approaching from my right indicated to turn left (into the turning I was coming out of), they were in the left lane clearly marked left turn with a big arrow on the floor, so I pulled out before they'd fully turned (lots of traffic I'd sat there a while worried about failing for undue hesitation). Despite indicating left and being in the turn left lane they carried on straight ahead and I had to emergency stop to stop crashing into the front side of them, I failed because despite what people should do and indicate to do i should've left enough time to make sure they were actually turning.
I think on that basis your insurance will go 50/50 as you should've made sure of what she was doing before crossing her lane

Her fault as she shouldn’t have turned right but you should have checked the lane was clear before exiting. Probably be 50/50

That's not what the highway code says at all in your link:

"When taking any intermediate exit, unless signs or markings indicate otherwise

• select the appropriate lane on approach to the roundabout
• you should not normally need to signal on approach
• stay in this lane until you need to alter course to exit the roundabout
• signal left after you have passed the exit before the one you want."

(Althouhg as it happens, in this case, straight on isn't an intermediate exit, its the second and only other exit before going back around the roundabout to where you joined)

I was going to suggest to see what google maps says? Can you get a clearer picture than the one above and are there any markings?? There are a load of roundabouts not far from me like this. She was completely in the wrong

here's a picture for those incorrectly saying you should have moved over to the left hand lane to take your exit

I was very much taught to use either lane. I learnt in 2004.

Both wrong

Chat GBT agrees with you OP

1. You (Blue):
2. Approached in the right-hand lane (which is acceptable for going straight on, especially at a larger roundabout with two lanes).
3. Indicated left after the first exit, as you should when exiting at the second exit.
4. Were exiting correctly and in position when the collision occurred.
5. Other Driver (Green):
6. Was in the left-hand lane, which would require her to exit at the first or second exit.
7. Instead, she cut across the roundabout from the left lane to continue around (illegally, toward an entrance-only arm), directly across your path.
8. Her claim that she was "going straight" doesn't match her actual trajectory — she was turning right from the left lane, an unsafe and incorrect maneuver.

Liability Assessment

• She was 100% in the wrong:
• She used the left-hand lane to take a right-turn maneuver, which is against the Highway Code and basic roundabout rules.
• She cut across your path while you were correctly exiting.
• There’s no valid third exit — so she was heading toward a no-entry or entrance-only road, making her movement even more unreasonable.
• Her claim of going “straight” is not just wrong, it’s demonstrably false with your diagram and the road layout.

Conclusion: You are not at fault. She is fully liable due to:

• Misuse of lanes
• Unsafe maneuver
• Contradictory statement
• Attempted use of a non-existent or illegal exit

I think she was in the wrong lane. However, did you signal left and check your mirror before exiting the roundabout? If you had, you would have seen her and maybe (if you could tell she wasn't leaving the roundabout) been able to avoid the collision. Still, I think she was at fault.

They were both in the wrong lane.

Chat GBT agrees with you OP

Thank God the legal system doesn't rely on Chat GPT yet!

Look at the bigger picture, OP is going R at the next roundabout. The blue line is a totally legitimate line to take (and saves faffing about with a lane change on the short stretch of dual carriageway that she is joining). Green can only legitimately go left or exit ahead into lane 1.
Always expect the unexpected, one time in a thousand Green will continue round in front of you. A good tip on roundabouts is to watch the other cars front wheels, the car will only go where the front wheels are pointing regardless of indicators or road markings.
Everybody seems to think it is 50-50, I would be pretty miffed if it was called against me.

It will likely be be 50/50, I follow a chap called Jobber on Tiktok who was an insurance clerk and did that job for over a decade. Lots of videos on his channel from dash cams of accidents or near accidents. But yours comes under this

Precedent set in case law Grace and Tanner which is basically this

never assume someone is in the correct lane on a roundabout and if you are in the lane closest to the centre and you have to cross a lane whether cars should be continuing in that lane or not you have a duty of care to check it is safe and clear to be able to cross that lane and exit the roundabout. If you are unsure you should not exit.

This is her fault because she carried on round the roundabout incorrectly but you also exited the roundabout without making sure it was safe to do so. Sorry but you need to learn to position yourself in a staggered formation so you are never directly next to a car to avoid this happening.

https://vm.tiktok.com/ZNdf64NPb/

A good tip on roundabouts is to watch the other cars front wheels, the car will only go where the front wheels are pointing regardless of indicators or road markings.
Everybody seems to think it is 50-50, I would be pretty miffed if it was called against me.

If she could see the other cars front wheels, then the other car was in front of her and she drove into it! That makes her even more responsible!

Just watched the video back of the scene and I've just noticed that the other driver turned after the exit onto the white cross hatched area that blocks off the lane that continues round the roundabout on the outside.
So the lane she was trying to take round the roundabout doesn’t actually exist!
Does this change anything?!!

Except, the OP was the one who hit the other car. That car would have been to the side of the OP for some time, it didn't spawn in front of her.

Please, please, please can we all stop saying blue was in the wrong lane.
Unless road markings explicitly direct drivers using both the first and second exit to use the left hand lane (and the outside lane is reserved for vehicles doing a U turn only?) then both lanes are permissible for vehicles going straight ahead in a two on, two off, scenario.

No. Still a 50/50 case.

@HurryUpHilda Good answer . 'Always expect the unexpected ' is great advice for drivers - and remember that there are plenty of idiots and incompetents on the road as well as people who just aren't paying attention or are unsure where they're heading. The tip about looking for other clues such as alignment of wheels or direction of gaze is also good advice. There are lots of clues that help you anticipate what other road users might do and it's interesting and educational to look out for them.

No, because you still drove into the side of her. She may have been in the wrong place but that doesn’t absolve you of your responsibility to pay attention.

Assuming the exit doesn't have two lanes...

The insurance situation is that you are at least partially liable. You are crossing a lane of traffic to leave the roundabout. It doesn't matter why the car is there, you cannot cross a lane of traffic that isn't clear.

Only a 3 exit roundabout. Left, straight on or back the way you came.

The exit very clearly does have two lanes though...