A car hit my car, with a towbar fitted, and broke my fuel tank - why won't my insurer cover the cost of repairs?

I was sitting in my Toyota RAV4, with a towbar fitted, at a set of traffic lights when I was rear ended. I thought there was no real damage, but when I went to fill up with petrol the next day, it was...

My wife passed away and her car insurer told me they would transfer the policy - but never did.

My wife passed away recently and her car was insured in her name with me as named driver. I contacted the insurer, AA insurance, who told me they could transfer the policy over to me until renewal when...