Hi, My wife was involved in a car accident and now the involved party and his car insurance company has sent in demand for payment. I note that: 1) my wife's car was not insured. 2) when she bought the last last year, her comprehensive car insurance was cancelled by the Authorised Representative without her notice, and she only discovered after the accident. 3) as the car was heavily damaged, she traded in the car and loaned another car as her profession requires her to travel often. 4) we are unwilling to pay the damage as we are certain we are not entirely at fault. How are we going to reject the claim, if not minimise the claim? Thank you.