Please Explain Lane Splitting

My daughter was taking a left hand turn into a parking lot while all the oncoming traffic was stopped and got hit by a MC lane splitting between the curb and the stopped traffic.
The oncoming traffic left a gap for her to get accross and into the parking lot ( its the law here and there is signage) .
The bike was going fast enough to shift the whole front clip on her BMW ! He flew across the hood and onto the pavement !

Geico said she should have anticipated the event and therefor it was partially her fault ! Guess who he was insured by ??

So she made a blind turn across multiple lanes without checking to see if it was clear? What if a bicycle was riding by in the bike lane? She’d have killed him.

Sorry, but even at 20 mph a 400 lb bike will do a number on a car, and at anything faster than 15 mph the rider will fly across the hood and onto the pavement.

Im sure he was probably going faster than that, and splitting where people can leave spots for cars to turn in requires a heck of a lot of attention even at low speed. Because car drivers never look for bikes. Ever.

So yeah, they got it right. She didn’t look, he was probably speeding, both are at fault.