I pay well over £1000 for car insurance to be rudely told they've admitted liability on my behalf following a collision that wasn't my fault and that I'm a liar because it's just more probable that I pulled out on the other driver. So irrespective of the photographs, diagrams and statement that PROVE the other driver is in the wrong - it's 'just not probable'. Thank you 'insure the box' for extremely poor cover and appalling customer service. The decision was made to admit liability before they even asked for my evidence. Small company - cheap insurance - clearly would rather pay off the other party than fight their customers claim.