I'm about to initiate litigation with my insurance company. They assert that drivers that have a non-fault claim are more likely to have a 'at fault' claim subsequently. They are refusing to provide the statistical evidence that corroborates this statement.

Clearly there can't be any causality and therefore no correlation. In our case the car had been parked for over an hour when it was hit by a driver with a medical condition. There are four drivers on our policy. Are we all now to be expected to experience a claim?