I was chatting but I wasn't distracted.
I saw him as soon as his headlights appeared on the left. As I said in the "analysis", he was visible for exactly 1.0 seconds before he entered the intersection. In that 1.0 seconds, I didn't figure out whether he was going to stop or turn right, and it wasn't obvious to me at the time that he was going too fast to do either. Part of the problem is that in the 1.0 second I had, I didn't pick up a change in his speed. In other words, 1.0 seconds was too short for my little brain to decide if he was slowing down or not. The brain can quickly figure out how fast someone is going, but to determine whether that speed is changing takes a little more time. In the next 0.5 second, when the other car's path is obvious, I reacted and got the car turning.
As @
m_bisson said, I assumed he wasn't going to do anything out of the ordinary. If I knew the white car was going to go straight through, I would have had an extra 1.0 second to react. Instead, I wasted that second trying to figure out what he was doing.
I'm not trying to "defend" myself here, but consider how little time 2.0 second is. That was the time from when the car was first visible, to when it disappeared out of view to the left (60 frames @ 30 fps). Say I was truly distracted and I was fiddling with the radio/GPS and I had been going just a tad slower. I could have missed seeing him in those 2 seconds, been hit right at the driver's side door, and be dead without knowing what happened at all.