While driving along an open road and driving through a crossroads with the Right Of way as Priority Traffic, a young lady approached from a side Road and failed to stop at the junction Road markings requiring her to stop and give way to me. My insurance company refuses to take legal action despite myself paying for legal Expence cover in my Premiums, my insurance requests me as the innocent party to accept 50/50 Liability or Non-Fault, so they can avoid legal expenses taking it to court. I am entitled to refuse their discission as I'm Innocent and didn't course the accident, however because I went online to seek legal advice and made it clear I would not accept Part or Full Liability, and I will Appeal to the Insurance Ombudsman to review the evidence, (as I am entitled to do), if I disagree with Avivas Descission, Aviva have Refused to Invite me to Renew My Insurance ! So basically, despite the accident not being my fault, Aviva have told me to admit liability or FAUX OFF, they will no longer insure me. They also said that pictures from a mobile phone is Insubstancial Evidence in a court of Law. so I have contacted Avivas CEO office and raised my concerns about their staffs conduct and Behaviour.