Last Night, I was involved in a two car accident. In Columbus, OH. Althought, I was not at fault, I got a citation even though I told the Officer that took the report I didn't cause the accident. Here is what happened in my words: Upon traveling west bound on a major street in my neighbourhood(this steet is wide enough to allow people to park there cars on either side of the street as well allow traffic to travel both way. there was an SUV in front of me. We approached an intersection of a cross street with a caution light flashing. The SUV slowed down and moved over to the right and cleared my path. Although, the SUV did not indicate that it was going to turn (no turn signal) The driver went ahead and made the turn. In doing so, I moved forward and was about to leave the intersect when I barely noticed that the Driver of the SUV decided to do a turn around. (U-Turn) The law in the Columbus area states no U-Turns allowed unless otherwised posted. Upon the the SUV Uturning I was hit on the right side of my car. the damage is from the quarter panel to towards the rare. Before the City Police showed on the scene the driver of the SUV apologised to me and said she was sorry and that they were lost. I didn't have anyone with me but she did. Upon the Police taking our information. The Police Officer claims it was my fault. and cited me. Saying that I passed the SUV and didn't give the SUV time to complete its turn. However, I do not believe this to be true. Because as I mention previously, I did not have to enter the opposite directions lane in order to continue through the intersection. So, now I have to either pay the $90 citation, or contest it. Upon waiting for the Police to show up on the scene I made a call to my insurance agent and was told I didn't have any insurance. I then proceeded to purchase insurance over the phone. When the officer took my information she did not ask for proof of insurance. But, upon returning to give me the citation is when she had asked if I had proof, I told here I only had my previous insurance policy info but I did have insurance and she then told me that to make sure I brought that with me on and reccommend that I contest the citation. I understand that my insurrance will not cover this claim and I am not filing a claim with them. I was told by my agent it would be best to file against the other drivers insurance. I have explained the situation to the other insurance agent and she was helpful. I was told by the other insurance agent that someone would be in contact with me within 2- 3 Business days. My court date is this coming friday 02/18/05 And I have up to that date or on that date to pay the citation or on the date appear and contest it. I hope someone could advise me what I can do and if any I am going to face. As I am financially strapped and the only reason I was able to get insurance over the phone is that I just came into a credit card... So, Please if there is anything I can do to soften this blow or prevent myself any serious trouble I would apprecaite it. There were no reported injuries, and I am not interested in gain anything other then being cleared of the citation and hope that I am not in trouble with regards to my insurance situation.