Had a non fault accident as a car emerged out of a give way junction and clearly saw me coming, they are claiming that it was my fault as they have a 'witness' whom i believe is acquainted with the woman who crashed into me, (need to remind you that if i was to pull out of a give way junction and a police car was on the main road, i would have been given a fine). 3 weeks it had taken them, 3 weeks to decide that the accident was my fault. They simply rung me up and said we're holding you liable for the incident, didn't ask me if i wanted to accept liability, (which i still don't). they didn't make any information clear and didn't even notify my solicitors as i had to inform them that my 'insurance company' was holding their own customer liable for an accident that wasn't his fault. Wonderful. Paid for a courtesy car within my policy, no such car was provided and they kept re-directing me to another 3rd party. (enterprise rent-a-car). Contacting CAB in the meantime as i have had an independent claims handler/adviser look at the pictures and diagrams of the accident and he is 100% certain that i should not be held liable and the accident was solely the other party's fault, in short, don't insure with these guys, they couldn't care less about you as a person and/or your claim.