I am wondering who's at fault here: I'm driving the car in back. The car in front brakes and seems to pull slightly to the right to, as it turned out, give herself enough space to do a 3-point/U-turn. I see her do this and move to the center of the two-way street (no dividing lines) to move around what I thought was a car pulling over. Then, while signaling left (though, I didn't see this), she makes her left turn, which puts her almost perpendicular to me in the middle of the street. I see this happening and honk/brake/pull to the left to avoid a "direct hit", but hit her front driver-side door & left fender.
I'm told there's 3rd-party video indicating that it was a fraction under "two seconds" from when she initiated her turn until the point of impact (this seems accurate). There were no posted traffic signs and/or lights.
Now, even though she signaled left, she obviously didn't look to see if there was any oncoming traffic (the fastest car on the planet couldn't have made that turn safely in less than two seconds), and you can't just make turns willie-nillie wherever you want without making sure it's safe to do so first (i.e., that the "coast is clear").
Her insurance Co. is now saying that, since I was out of the right lane, I was at fault for trying to "pass a turning car"... Please advise.