sheep in a wolf skin, they will leave you to pay the third party from you pocket

I was involved in an accident; fault was not on my side. The other driver did not stop at the T junction collided into me. I was taking my two children to school my 5 yrs old son is injured from that accident. I am confident that I did not contribute in causing of the accident. car B driver she then referred me to her insurance (out surance) for third party claiming which after two weeks told me that my car is a write off and they rejecting my claim:

After having reviewed the accident circumstances, we wish to confirm the following: • Our client was completing the intersection when you collided with our client’s vehicle. • You failed to keep a proper look out. • You failed to slow down or stop or take any evasive action to avoid the accident.

We hereby refute liability on behalf of our insured and confirm that any further legal proceedings will be vehemently defended We are proceeding to close our file.

My vision of the accident is that I was driving downhill at Queens RD towards Sam Han**** str and car B was stationary at the T junction waiting to turn in to Hospital str, I was aware of their driver who was on the phone (car B), the was two car in front of me which the one I was following took a left turn at the T junction that will show that I was not speeding and I was using brakes when necessary as we were go downhill, if i wasn’t I would have crushed in to the car that I was following after the car I was following took a left turn I let go of the brake being aware of car B which drove in to me turning left when I was to close to make any move to avoid it. The accident happen in my lane, how does that make their client write? out surance handled this claim unfairly