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As Mr U-M has mentioned, we had an accident on a roundabout in La Roche Sur Yon a couple of weeks back.
We had entered the roundabout expecting to take the 2nd exit (effectively continuing straight on). Mr U-M's car was towards the right of the carriageway width and he was signalling right to leave the roundabout. We were moving slowly, checking that the exit signs bore the correct road number. Mr Frenchman entered the roundabout at some point behind us and proceeded to attempt to pass us on our left - on the inside track of the roundabout. Unvisible in Mr U-M's mirrors at that angle, Mr Frenchman had almost passed our van and was about to come alongside our car. As our car turned right-ish to begin to exit the roundabout - obviously the caravan doesn't follow exactly the same line as the car. Mr Frenchman's car therefore collided with the left side of our caravan at its front corner, damaging the front panel and the side awning rail and locker-box trims. Mr Frenchman's Audi lost a door mirror and received deep scratches to the wheelarch. In fact, his car was quite badly damaged compared to our van.
We think it was his fault - undertaking us (at speed) on the inside where there wasn't sufficient room for his manoeuvre. He, of course, says it was our fault. There were no independent witnesses, so in all probability, the insurers will end up settling 50/50 (which will be annoying!).
Nevertheless, it is all a bit complicated. Our towcar is company owned and insured, but our damage claim is for our caravan only. We have separate comprehensive caravan insurance, but normally when towing, the car insurance policy is the effective one. I can't quite see the employer's car insurance paying out for our van though! I guess we will have to go through our caravan insurers, losing our excess and no claims bonuses.
No doubt the T's & C's of the various policies will be gone through and it will all get properly sorted. C'est la vie, as they say.
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