Reminds me of an accident that happened when I was in college.
I was driving my new 2001 Honda Accord Coupe (that had replaced my beloved 1994 Nissan 240 SX that met its demise thanks to a bass boat seat in the middle of a narrow highway).
I was driving on the dead-end road we lived on, following behind an old beat-up pick-up truck. We were going about 20, which was the speed limit. All of a sudden the truck started driving in the other lane. I thought maybe he was going to make a left hand turn into the driveway that was there and was just cutting the corner of the turn.
So, he's driving the wrong way in the opposite lane, and as he slows down (presumably to turn), I start to pass him.
Evidently, the dude wants to turn - but he turns toward a driveway on the right - and directly into the door and rear fender of my brand new car.
I was flabbergasted. I get out of the car, and this old guy starts yelling at me, saying "Didn't you know I was going to turn into that driveway?!?"
We call the state trooper, and he declines to write either of us a ticket, blasts his siren at us because the old man is still yelling at me and I'm trying to defend myself, and then lectures me for "passing" the guy in the first place. Says I should have just stopped in the road and let the guy figure out what he wanted to do.
We file the accident on insurance. I have State Farm and he has Geico. A few days later, a woman from Geico calls me to hear my side of the story. At the end, she tells me that's what they thought happened and they are assigning fault to him, paying for my car repairs in full, and dropping him as a customer because he hit a deer a few months earlier.