1. Here, you should first notify your car insurers and make clear to the insurers that you dispute any liability for the car accident and wish to have the case defended fully. Be aware that it is a condition of all insurance policies that you notify your insurers without delay so they may defend the claim. However, you should also send a letter simply stating that you dispute liability for the alleged car accident to the other side and send a copy of this letter to your car insurers as well.
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