Hi everyone hope you can help me. I recently had a car accident 28/11/17, the third party jumped the red light and smashed straight into me. My insurance company are trying to settle the claim on a split basis 50/50. I know I’m not at fault but unfortunately I have no evidence to prove that it was the third parties fault. My claim has been put on hold and they haven’t paid me out for my vehicle. I asked them why and they responded that ‘in 2015 you had another incident’ funny thing is I never drove in 2015 I couldn’t even afford car insurance so how could that possibly be?