Roger wrote:
Do you think she didn't see you or thought (wrongly) she could pass you before going off? Or was she actually intending to come off behind you but you inadvertently thwearted that plan by braking?
She was definitely planning to pass me, because I didn't start braking until she was in front of me. Perhaps I didn't explain it very well, this is an approximation of how it was when I first spotted her and started to brake (no accuracy guarantee due to it all happening so fast!)

and this is where we collided:

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1) Could you have taken off at the juhnction with her either instead of or as well as braking, if necessary making it all the way to the shoulder to give her room?
2) Having seen her come across, was lane 2 clear and could you have pulled out to avoid a collision?
Thanks for those ideas -- lane 2 might well have worked as an escape plan, the problem was it had been a few seconds since I'd checked my right mirror so I wasn't confident that lane 2 was still empty. When I realised I was going to hit her, I did briefly think about swerving round but I was afraid I might go into a spin and end up worse off, because there wasn't much space between us to do a gentle steer round.
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I hope the HATOS did make a report for your insurance claim?
Well, they didn't witness the incident so all they did was give us a form to fill in with our names and addresses.
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Yep .. we do have to draw lines on resources... especially if this is "exchange details" as no one injured.
Oh, I completely understand that -- but why not just tell me up front on the phone, "sorry, we're not going to attend"? As it was we stood there and waited for 30 minutes after being told that someone would be attending.
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Some folk though know "how to play the game" - I will not say how .. but you can perhaps guess .. and nope.. cannot say I blame them for doing so
Hehe, well afterwards I did think that perhaps I should have played a confused shocked "I don't know if anyone's injured, but there's a woman and child in the other car and it looks damaged"-type line, maybe then someone would have come

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Did she admit liability?
Well, she refused to (she said the insurance company tells you not to, which is fair enough) but she had a very guilty face.
Quite frankly, considering that when I talked to her she didn't know what road we were on, what junction we were at or whether we were going northbound or southbound, I'm surprised she had enough brainpower to be able to start a car in the first place.
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Is it possible to get a photo of the scene from any nearby A road bridge over this motorway - or perhaps you could return with a passenger who can photograph as you proceed. If she disputes .. this can help back you up later in court if you refute the normal 50:50 they try on if the other party refuses to admit liability.
Is it possible for these things to come to court? I thought the insurance companies just sorted it out amongst themselves, and if they decide to settle 50:50 then it's tough and that's it.
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- How far away was she when you first spotted her?
- If you hadn't braked, would she have passed behind you do you think? (It certainly sounds likely from your description).
I don't think I described it very well, the diagram above shows where she was when I spotted her.
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- Was she committed to crossing a solid bordered 'tiger tail' arrangement illegally?
I'm pretty sure that she was, she was never going to make it onto the sliproad without crossing that area.