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my sister hit someone who cut across traffic — everyone says she caused it but I don't think so

I'm posting this because my sister is a wreck right now and I'm trying to help her figure out what actually happened legally.

She was driving home from work on a four-lane road — two lanes each direction with a raised median. There's a gas station on her side of the road, and someone coming from the opposite direction decided to make a left cut across all the lanes into that gas station. My sister was going straight in the right lane, totally normal speed, and the other driver just swung across in front of her. She T-boned them pretty hard.

Here's where it gets complicated: the car in the left lane next to her had already stopped to let the other driver cross. So from my sister's angle, she couldn't even see the car coming because that stopped car blocked her view completely. By the time the other car cleared the stopped vehicle, there was zero time to brake.

The other driver is now telling their insurance it was my sister's fault because she was "the one who hit them." My sister, because she was panicked and shaking, said something like "I'm so sorry" at the scene. She didn't say it to police or insurance — just kind of mumbled it in the chaos.

Her car is probably totaled. She's sore and went to urgent care this morning. She has no idea how fault actually gets decided and honestly neither do I.

Does the fact that she apologized at the scene hurt her? And is there any argument that the driver cutting across four lanes of traffic is mostly at fault here? Any insight from people who've been through something similar would really help us out right now.

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