恐怕是你的錯。左轉之前沒看見迎麵來的自行車

左轉之前沒看見迎麵邊來的自行車.這才撞到右後側。

I do a lot of biking. It's very difficult to brake at high speed if a car gets in the way. If you claim with your insurance, then your next year premium may rise. So it's not a simple math and you probably need to figure that one out yourself.