got hit by someone who took the red light on western blvd

Hello, lovely people of Reddit,

I was in a car accident about a week ago and could really use some advice. I was making a left turn on a yellow light when another car ran a red light and T-boned me.

Context:

• This happened in Raleigh.

• The other driver ran a red light and hit me.

• The police were called, but they claimed the accident was my fault.

• When I read the police report, it stated that I “failed to yield to oncoming traffic”, even though the light was red for them.

• My insurance is also putting the blame on me, even after reviewing the video evidence. (I can’t post the video due to privacy concerns.)

• Insurance basically told me I could either get a lawyer or just take the money.

Has anyone been in a similar situation? How did you handle it? Do I have a chance at winning a case?

Would appreciate any insight—thanks in advance!