Someone pulled out on me due to he was attending to a crying baby in a car seat in the passenger seat,obviously he didn't check his mirrors before pulling out on me.his car then continued to push me into a residential brick wall with damage to both cars.I then found out that my insurance wasn't valid and have been left with a seven thousand pound debt.I have been paying this debt for two years it has been handed over to a debt collection agency.I should be fined for not having insurance at that time but it's the only accident I have ever been in in 20 years of driving.I didn't even get the chance to give my say in court it was all dealt with out anyone informing me.thank you

A tough situation. What's the question?