After 34 years of no Accident no claims, I drove My Vauxhall Zafira through a crossroads with the Right of way. When a young lady approached from the Minor Side Road with Stop Markings requiring her to "Stop and Give way to Priority Traffic with the Right of Way", ME ? Unfortunately, with her 3 months of driving experience since passing her driving test, her independent Claims handler as, (3rd party insurance), "REFUSES to accept LIABILITY", I've pointed out to my Insurance "Aviva", the Road Traffic Act 1988 section 3, 32a (2). S36. Highway code section 176, 171 and 172. While providing pictures of the vehicles in position at the Junction after the Incident. However, the first reply I got was a 50/50 liability. I refused to Admit Liability for an accident that was not my fault. It is now in the hands of the Aviva "Customer Care Team" to Review in about 6 weeks' time? In the meantime, my insurance Broker? Intermediary, Grove and Dean, has informed me my renewal Invitation from Aviva has not been forth coming? to renew my Aviva Insurance by the end of July 2023. Yours, M. Burton.