Third Party Liability - A TOTAL ****

On the 12th of November i was involved in an accident where the other person failed to stop at a yield sign and give right of way to on coming traffic at an intersection where i did not have a stop sign, traffic lights or any yield sign but sideways the person crossing over has a yield sign and they must stop and give way. A few seconds before the collision happened i took necessary precautions to slow down my vehicle and when i realized the person was not going to yield and stop, I swerved my vehicle to the left hand side to try and avoid the collision but it was already too late as he was trying to take a chance and drive over quickly. Auto and General sent me a mail stating that i could have avoided the accident, therefore they will only pay 60% of (Market value - 40 % Salvage value). When you take up insurance with them for the first time they promise to pay 100% Market-Value of the third party damages, but when reality strikes they make up excuses for them not to pay up what they are liable to pay. As an innocent driver on a public road, i did not anticipate such to happen nor was i even in the wrong, but i am made to suffer all in the name of insurance trying to ******* people and promise **** products to clients. If you are with Auto and General, do make sure you have evaluated them thoroughly.