Paying for other people's mistakes

Worst mistake going back to outsurance. I now know why i left 6 years ago.When i signed up i was told lets just make the access R5000 to make premiums less and after when can check to make it less. This is just about ridiculous i have insurance for less than a year and already my premium is going up with almost R500 and to make matters worse i'm already have a access of R5000. So i had a quote with the same amount that you want to charge me now and there was no access. Firstly your very own client caused the accident while i was standing still at a circle. Now i must pay for his mistake. I've been told that i have now lost my no claim bonus and had to pay doctors fees of over R5000 + R5000 in access fees that was caused due to negligence of your own client. Thank you very much for making my Christmas holiday a horrible experience. I'm leaving outsurance for good. I don't understand "being best in the market" yet i'm paying excorbant prices and should not claim. So i should have insurance and never claim. I will definitely advise people on my experience with outsurance. My car has not even been fixed yet but i'm already told my premiums is going up with R500.