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

Have always wanted to post diagrams 😀

Not on the roundabouts near us on dual carriageways - the left is turn left and straight on (if straight on you exit to the left hand lane of the dual carriageway) and the right hand lane is straight on or right (and if you go straight on you exit to the right hand lane of the dual carriageway).

In this scenario the green car cut the blue car up effectively changing lanes.

I had this exact scenario, and I’m sorry to say op, but it went in the other person’s favour! I still feel rage about it

Your insurer will say 50/50 - because there is precedent and it's very difficult to get any roundabout accident anything other than that. She was an idiot and caused the accident but you are supposed to check your exit is clear.

Sorry I dont remember the names of the court case but it was similar to this in that the driver did something stupid and still got 50/50.

The exact same thing happened to me and the insurance company settled 50/50.

Glad you're ok.
Having dealt with many insurers and accident claims over the years, all roundabout collisions are classed as 50/50 with insurers regardless of apparent blame, even with video evidence.
Last one was earlier this year in similar circumstances to yours. Our vehicle was written off and 50/50 blame. All on dash cam.

But here aren’t any exits after 12 o’clock on this roundabout so I would say you can use the right hand land for the last exit, which is at 12 o’clock

While i agree that one would expect the other car to turn off at the first or second exit I would never assume that the car on my left wasn't going to continue around the roundabout. I live in a coastal town with lots of tourist and I know that too many of them get lost and will circle around a few times trying to find the right exit.

Without seeing the specific road markings it's hard to 100% say, but I do wonder why you didn't take the left lane at first roundabout, then move from left to right lane when approaching the 2nd roundabout? I'm not quite sure where she cane off the roundabout - is the thick green line and thin green line her?

I must be really thick, but I thought if you are going straight on or any exit before it then you should be in the left lane. If you were both heading straight then you were in the wrong lane. If she was not heading straight and instead taking the 3rd exit then you are both in the wrong.

Maybe you haven't done much driving but it's really common to use the right lane to go straight ahead on multi lane roundabouts, and sometimes mandatory if the lane markings tell you to. There are many types of roundabouts.

I agree with this and also this is why unless the road markings say you must do otherwise. I always stay in the left hand lane if I'm going straight on as this would stop this sort of accident happening.

Ahh read the previous comments, didn't see the dual carriageway. She obviously over shot the junction, you hit her car though so it will be 50/50.

No you can stay in the left hand lane if you are going straight on unless the road markings say you have to be in another lane.

I love a roundabout thread, partly because it explains all the muppets I encounter on the roads near me.

You can go straight on in the right lane.

You don’t always move into the left lane before you exit. Do that in my area and you’ll sideswipe everyone who expects you to stay in your lane!! Our roundabouts sort of spiral. You stay in your lane and get spat out at the exit you selected on entry! Moving left across the lane would be a risky manoeuvre requiring a lot of indicating and paying attention. Better to go round twice than risk that.

So the fact that the outside lane vanishes after the junction and is replaced by cross hatches would surely indicate that you can't continue round in that lane?

How much difference does fault make anyway? I’ve had no faults, and it’s still painful. And when your car is written off it’s particularly painful. Nothing worse than losing a perfectly good reliable car. Always expensive to replace- worth more to you than to the insurer.

I agree, it looks like they were both in the wrong lane. 50/50 seems fair.

She was in the wrong lane and caused it, but you tried to exit without checking it was clear so you are liable. It’ll probably go 50:50.

Saw a video online about something very similar recently. The fella who does them used to work at an insurance company. I think she's called Big Jobber on Facebook.

You're not in the wrong to exit from lane two of a roundabout if the exit has two lanes.

The other driver shouldn't have carried on around the roundabout in lane one in the situation you describe.

However, he explains both drivers will have had an opportunity to avoid a collision so nine times out of ten it'll go down as joint liability.

Looks like 50/50. Other car was in the wrong lane but you crossed a lane without checking it was clear.

@CyberStriderit’s worrying that you don’t know the Highway Code for a roundabout. You assume this below unless stated otherwise on the roundabout.

OP, can't you provide a zoomed in version of the island in question? It will show more clearly that the left lane was straight on (to left lane dual carriageway) and the right lane was straight on (to the right lane dual carriageway) or carry on round.

If it is as you described, she switched lanes into your path, but your zoomed out photos don't really mean anything without the markings on the actual road to show the lanes and show who should have been where, all this "left lane for this" and "right lane for that" that people come out with means nothing, it is the road markings that prove liability.

I think @WiggyClawsThe2nd you'll just have to see what your insurers say. Morally you are in the right, it's very clear that she should not have been where she was when you hit her - so it will come down to whether there is enough evidence of that, and whether the insurance company believe you could/should have avoided her in some way. But you're going to get little help from this thread with the number of people repeatedly insisting you were in the wrong lane because they don't understand how different roundabouts work (or have misread your diagram).

Yes and that's her 50% of the blame. Then you crashed into the side of her and that's your 50% of the blame. She wasn't behind you, she must have been slightly in front for you to hit her side.