I got into an auto accident during rush hour traffic after work. The location is in San Antonio, Texas. What was happen is that road traffic was stopped and the vehicles made a clear path for me to drive across Huebner rd from Preserve on Fredericksburg Apartment into the center turn lane to turn left to go south of Huebner Rd. When I am about cross the center turn lane, I was in a blind spot due to a large pickup truck that is blocking my view and other driver views. The truck driver did not say anything about the incoming car coming to my way, so I had to drive really slow to get out of way into center lane turn only. When I just got into center lane, I can see the car was already driving too fast on the center lane and hit my truck on the front left side. No one got hurt. We exchange information and the polices arrived. I came to found out that the other person who hit my vehicle was doing an illegal way. She merges into center turn lane only to bypass the stopped traffic all the way to the Fredericksburg rd stoplight. She is not planning on turn anything soon where I am at. The accident happened about 1300 feet away from Fredericksburg rd. I have read the police report and here is what it said, "I was dispatched to the above listed location for a minor accident. Upon arrive I contacted Unit 1 (Another driver who hit me). Unit 1 stated she got into the turn lane, to turn left onto North Bound Fredericksburg Rd. Unit 1 stated Unit 2 (Me) was leaving the apartment complex, attempting to turn left onto South West bound Huebner Rd. Unit 1 stated Unit 2 appeared in front of Unit 1. Unit 1 stated she collided with Unit 2. The intersection Unit 1 was attempting to turn left on is about a quarter mile away from the location of the accident. Unit 1 stated they already exchanged information. I contacted Unit 2. Unit 2 stated he was leaving the apartment complex. Unit 2 stated traffic was stopped. Unit 2 stated he made his way through the lanes, but did not see Unit 1 in the turning lane. Unit 2 stated that is when he collided with Unit 1. Unit 2 stated they already exchanged information. Both units were given the case number for insurance purposes.". At Contributing Factors (investigator's Opinion) section, it said Unit #1 Contributing #4 which I think it means "Changed Lane when Unsafe". It look like the police determined that it is her fault? However, my insurance decided the majority fault is me. I have tried to dispute it but they still reject it. Should I get a lawyer to fight to clear out my fault record because that affects my insurance rate go up really high?