It means that you should not have made a left turn across southbound lanes if there was southbound traffic that did not allow for you to make the turn safely.
From what you have described it is primarily your fault. You entered the area she had right of way. There was a collision. The presumption is you are at fault. What direction she was going doesn’t really matter as she simply had right of way as a matter of law.
Yep, that's right. You have to yield to oncoming vehicles. That she was going to continue to Magee in the "un-lane" south of Cool Drive is only speculation on your part.
They will pay you the value of the car at the time of the accident and then take the car away. An alternative is that you can "buy" the car back from them by receiving a smaller payment. You can then have the vehicle fixed, but it will have a "branded" title.
Which insurance company? Yours or the other driver's? If the other driver refused to pay for the car it won't be because it's not worth it, it'll be because their insured is not liable. If that happens and you have Collision coverage your own company will pay for the repairs or the total loss. In either solution you'll have a deductible. If you don't have Collision coverage you pay for your own repairs, drive the car as is, if drivable, and if not, see what you can get for it at a wrecking yard.
This response is much better. Mine was based on the assumption that you would be going through your own insurance, and that was a bad assumption.
