CLAIM DECLINED

I BORROWED MY MOTHERS VEHICLE DUE TO THE FACT THAT MY VEHICLE WENT IN FOR REPAIRS. THE DAY WE TOOK THE INSURANCE WE WERE NEVER TOLD TO PUT ME ON AS A REGULAR DRIVER WHEN I BORROW HER CAR. I THEN HAD AN ACCIDENT BEYOND MY CONTROL WHEN I WAS ON MY WAY TO BETHAL TO TAKE THE CAR BACK. THE CAR IS WRITTEN OFF AND DUE TO THE FACT THAT I WAS NOT PUT ON AS A REGULAR DRIVER THE CLAIM WAS DECLINED. I ALSO PHONED IN DOING MY OWN RESEARCH AND THE LADY WHOM I SPOKE TO AND RECOREDED CONFIRMED ANYONE CAN DRIVE YOUR CAR WITH YOU BEING THE REGULAR DRIVER, IF THE ARE INVOLVED IN AN ACCIDENT THE CLAIM WILL PAY OUT AS LONG AS THEY HAVE A VALID DRIVER LICENCE AND THERE WILL BE AN ACCESS FEE TO PAY BECAUSE THEY ARE NOT A REGULAR DRIVER. NOW I NEED TO CONTINUE PAYING THAT CAR AND INSURANCE FOR WHAT REASON. <br>