The caller was stopped at a traffic light in the left lane when it turned green, and they began driving forward. Meanwhile, the defendant was in the far right lane on the opposite side of the street, intending to turn into an apartment complex. As the caller started driving, the defendant initiated the turn and collided with the caller's vehicle. Upon contacting the defendant's insurer, AllState, they attributed 80% liability to the caller, suggesting she should have anticipated the defendant's turn and stopped to avoid the collision. Conversely, the caller's insurer, Progressive, offered to assume 100% liability and pursue compensation from the defendant's insurer.