Well. having spent 20 plus years as a Trooper and having investigated thousands of car accidents, I'll give you my take. IF everyone 'fessed up to what actually happened and you stated your signal was on and he stated he was on the phone, then he'd be at fault for the phone and failing to yield right of way and you'd be at fault for indicating your intention to turn when you weren't turning. I forget the way it's worded in the V+T law, but just as there is a law about indicating your intent to turn by having your signal on at least 100 feet from the turn, there's also one for having the signal on when you aren't turning in that direction. At least in my state there is. It would end up in local court and the ADA would offer both a plea bargain, which I wouldn't advise taking, and it would go from there. What the insurance companies would do I don't know.
Now, chances are that in real life he'd say you had your signal on and you'd say you didn't and he wouldn't go for the phone either. Then it would be based on the evidence at the scene and any witness statements. The chance is he'd be more likely to get the ticket for failure to yield right of way.
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Today's Featured Article - Show Coverage: Journey to Ankeny - by Cindy Ladage. We left Illinois on the first day of July and headed north and west for Ankeny, Iowa. Minus two kids, we traveled light with only the youngest in tow. As long as a pool was at the end of our destination she was easy to please unlike the other two who have a multitude of requirements to travel with mom and dad. Amana Colonies served as a respite where we ate a family style lunch that sustained us with more food than could reasonably fit into our ample physiques. The show at Ankeny
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