Very unscrupulous company. Someone ran into the back of my car 2 years ago - they admitted liability and car was fixed no problem. 2 years later I get a solicitors letter from LV saying Hastings were now refusing to pay and that I had to sue Hastings and attend court to recover LVs money! I've obviously said I don't want to sue Hastings and if they are owed money then sue them themselves. Since then I have received multiple emails from LV threatening me. They've said it is in the T&Cs and are now saying they will put the accident down as a fault on my record and destroy my no claims bonus if i do not issue legal proceedings! I have reported to FCA and have contacted the BBC - I am also seeking legal advice to try and protect myself from their constant bullying. Be aware that if you take car insurance with LV this could happen to you.