Hi guys I have searched and searched and can't find the answer, so please forgive me if there is a similar thread somewhere on this forum. Had an unfortunate mishap where I was using a bicycle lane on a single lane road. Please, I know it is not exactly legal to use bicycle lanes as such (except for the 50m business). Lecture not required. Anyway, I'm in the lane for a short period of time, as always using it carefully and riding at about 20kmh. Traffic was banked back and stationary. An oncoming vehicle was allowed to turn right into a side street. My bike went down and sustained a considerable amount of damage. 3rd party's vehicle is uninsured. My insurance company's immediate response was that I shouldn't have been where I was but the driver of the cage was mostly at fault (70 - 80%) because you must only proceed to turn in front of traffic if it is safe to do so. The absolute onus is on the turning party and they must give way. Also, the bike lane does not extend across the T intersection, and in fact ends about 3m before it, so technically am I in the bike lane at the time of the incident? 3rd party has a lawayer now and they are saying it is my fault. In any case, has anyone had experience with this type of incident?