Car Bump- Whose Fault Is It?

[cameliaheartfelt]

I was coming out of a supermarket car park and a driver coming off the roundabout to my right was still indicating so I thought she was going to turn into the supermarket car park. She didn't and I pulled out and went straight into her. Both cars damaged on front corner. Whose fault is it? I think it's either mine or 50 50. My husband says I should have waited to see what she was doing. I have no claims protected. I assume this covers costs if my fault and that I will have to pay my excess!

[bednobs]

IMO, yours, Yes and Yes

[cameliaheartfelt]

You could say she should have taken her indicator off. I'm just playing devil's advocate here, not trying to get out of it, as you can see from my own verdict above, but would be nice to think it wasn't me as means less hassle, not even 50 50?

[Baldric]

Sorry, but it sounds like yours.
If I'm pulling out into traffic and someone is signalling to turn in, I never pull out until I see their front wheels start to turn in the right direction.

[alexanderd]

I,m afraid it is your fault.I have found you cant rely on indicators these days better to wait.

[Canary42]

Signalling on roundabouts is always confusing IMO (yes, I know the HC recommends it, but I still disagree precisely because it is so easy to misread it as you did). But I'm afraid it's still your fault.

[andy-hughes]

Legally, this will be viewed as your fault - you entered the road, the other car was on it, so your action caused the impact.

You will have to cough up your excess - it's a royal pain!

[EDDIE51]

Let your insurance sort it out that is what you pay the policy for.
But from what you say it looks like it will go down as your fault so your insurance will have to pay for everything. You will have to pay the excess on your policy. Your insurance costs will be a lot higher for the next 3 to 5 years as well.
Your 'protected No claims bonus' is not worth the paper it is written on. The company will just increase the base premium that they deduct the NCB from. For example if at the moment you have a 50% NCB and the base premium is £500 you pay £250. After the accident your 'protected NCB' will stay at 50% but the base premium will be doubled or trebled so you will pay £500 to £750 at renewal.

[cameliaheartfelt]

So why didn't she turn off her indicator? Surely that's confusing?

[TWR]

You.

[boxtops]

My driving instructor always told me to take little notice of indicators, never pull out until you actually see their wheels turn in the direction they're indicating. Sorry to say I think it's your fault, but it could be contributory that she was still winking.

[THECORBYLOON]

Indicating is an INTENTION to change direction, nothing more.

[Baldric]

Boxy, exactly what I said at 21:56, drummed into me from day one.

[EDDIE51]

As I said none of this argument matters. The 2 insurance companies will sort it out between them, the drivers have no say in it ( unless one actually admits to being at fault)
I am still certain however that the questioners insurance will end up paying for all of it.

[Zacs-Master]

Except the excess.

[RATTER15]

I never rely on indicators, they get turned on and off by accident and left on by accident. I think it will turn out to be your fault!

[cameliaheartfelt]

Oh no, not looking good then! Can't sleep, think I'm still in shock, amazed airbag didn't go off. Also checked and don't have ncd protection, excess only£100 thankfully.

[Old_Geezer]

I understand your feeling that the other driver was giving a misleading signal and should have some responsibility but ultimately you trusted your interpretation of it and drove into their path. I think you'd best chalk this up as paying for one of life's lessons. Sometimes life isn't fair, but you do have to assume everyone else on the road is a dick, and that the law is on their side.

[Kathyan]

Due to the stories in the press recently, regarding drivers deliberately leaving their indicators
on and not turning to claim on your insurance, I never pull out until they have turned or gone straight on. These days you can't assume that a driver is going the way they indicate!

[carrust]

It's your fault and you will be shot at dawn:-)

[ToraToraTora]

Yours, assume makes an ASS out of U and ME! Your husband is correct never assume an indicator is intended.