No witnesses:
this roundabout:
http://maps.google.co.uk/maps?f=q&hl=en&geocod e=&q=southwater&ie=UTF8&ll=51.013739,-0.344299 &spn=0.000957,0.002339&t=h&z=19
I went straight on in the right hand lane of the roundabout
The third party (learner driver) turned into the rear of my vehicle going right.
She hit the rear quarter of my car, just behind my passenger rear door of a Dihatsu YRV. (i.e. almost all of my car was out infront of her)
My insurance company is telling me as there are no witnesses (third party was not indicating, otherwise I would not have moved to pass her), and because the exit is passed the twelve'o'clock, I was in the wrong lane, as was she, so it will probably go knock for knock.
I would loose 5 years no claims and my �75.
Now I understand no witnesses to prove the lack of indicating, and having re-read the highway code I appreciate that the "most applicable lane" in this instance for me was not the right hand lane, despite the extremely slow speed the learner was taking the roundabout at.
However she WAS in the wrong lane, and she had the majority of my car out in front of me when she hit me. Which can be proved from the damage to her front right side and the rear of my car.
Anyway, I would like some thoughts on this because I really don't want to be paying out �500 or so over the next few years of lost no-claims for this. And wondered if the Insurance company settle on a Knock for Knock (which is sounds like they might) Is there anything I can do?