Hello everyone, I'm a new member to the hit list of the Motor Insurance Bureau, and I'm now seeking some much appreciated help. I was involved in an accident back in 2003, it involved me and a public service bus, I was driving my parents car that was insured by them and i had my own policy on my own car (but to find out did not cover me to use my parents car). Me and the bus bumped in a narrow lane, the bus driver and i was happy to say it was a knock for knock, the bus had no marks, i had a broken indicator. we gave over insurance details any how, but never pursued a claim. Happy Days... until over 6 months later i was informed there was someone that had been traveling on the bus was going for a whip lash claim (no win no fee i guess) well the police came around to inform me that something was not matching up with my insurance! i called my insurance for them to say when i changed my car on the 17Th of January my new policy no longer gave me cover to use another vehicle like it did on my previous car and I'm on my own with this one. I had made the amendments with Tesco online and did not read the small print and then had the accident on the 29Th January. Police said there was nothing that pointed to me causing the accident nor the did the bus company want to make a claim, it was just one person out of 27 other people traveling on the bus that did! Any way there was a few letters sent to me, i replied with my version of the accident and that was the last of it until now... they would like me to pay £15,574.24! I'm going to see about some legal advice on Wednesday and will keep you all informed, if there's anything that you can suggest in the mean time it will be much appreciated. Ross