It's my fault the 3rd part is not insured

<p>I registered a claim with AF Insure and the claims procure wa s very smooth. About a month later I get a letter notifying me of a premium increase and when i called the call centre i was advised that because the 3rd party is not insured, AF does not recover the money from individuals only from other insurance companies. To me this statement implies that it's my fault that i was involved in an accident and actually I should have asked the guy if he was insured before he bumped me....WHAT NONSENSE IS THAT????</p> <p> </p> <p>THIS IS UNACCEPTABLE!!!!</p>