Was doing a 3-point turn and got hit — who's actually at fault here?
So this happened yesterday and I'm still kind of shaken up about it.
I was trying to do a 3-point turn on my street because I needed to go the opposite direction. I had already made my first move forward and was in the middle of the road in reverse when out of nowhere another car just slammed into the side of mine. Like she had plenty of road — she just didn't slow down at all.
Afterward she gets out and immediately starts screaming at me, blaming me for being in the road. I was stunned and honestly yelled back because I was in shock. Then her boyfriend showed up and it turned into this whole confrontation with multiple people crowding around my car being aggressive and calling me a liar.
Police came. Nobody got a ticket. My car had to be towed because something in the wheel/suspension got messed up from the impact — it literally wouldn't move. Her people actually laughed at that, said I was faking it. The officer tried to move it himself and confirmed it was undriveable. So that felt like a small win at least.
Here's the thing — I have a doorbell/security camera that probably caught the whole thing from across the street. I haven't pulled the footage yet but I'm pretty confident it'll show what really happened.
My questions:
- Does being mid-3-point-turn automatically make me partially at fault?
- How does insurance actually figure this stuff out?
- Should I get a lawyer involved or just let insurance handle it?
This is genuinely my first accident ever and I have no idea how any of this works. Any help appreciated.