I have always been of the opinion, that it is better to be extra cautious, when making a left turn It matters little to your body, if the light was yellow or red when that oncoming vehicle crashes into your vehicle. It hurts just as much regardless of who is "at fault." I would rather sit in the intersection and get a red light camera ticket then risk getting hit head on. The ticket has no insurance ramifications, the crash and likely resulting ticket WILL have insurance ramifications.
As copper we used to have a saying "that driver was dead right to do that, unfortunately, now they are just dead as they were right.