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Because I love arguing on the internet (yes I probably am retarded) I linked the video to a legal assistant friend and got some opinions so I'm going to put a few nails in this coffin.
Now I have to admit my misunderstanding because realistically, right of way won't ever play into this. She confirmed that U-turners are almost always found at fault in an accident because they are the ones making the more dangerous maneuver so they take on the liability. See section 19 above. Sometimes there are extenuating circumstances but these are usually either moving to avoid another vehicle or something was obstructing their view that was out of their control. From what we can see, neither of these are the case here but this would be up to the cops investigation to determine.
Now she did say that a cop might consider this a split fault scenario if the Hummer ran the stop sign but it's still likely the u-turning FRS would be at fault for failing to look/check. Also, as long as the Hummer stopped, it's unlikely the cop will find them at fault because it will be easy to explain that the FRS driver looked like he was just turning left and a reasonable cop probably won't assign fault.
Just wanted to touch on Legal vs. Insurance fault. Yes, legal and insurance fault ARE different things. You may not be at fault legally but if the insurance company believes you could have done something to prevent the accident, they may still find you at fault for insurance purposes but it never works the other way around. If you are found at fault legally, the insurance companies will trust that judgement 100%.
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