My insurance company hold me 100% at fault due to laid charge going to me only by the police officer.

First accident involved, was laid charge with careless driving at a non-functional traffic light intersection. I was driving a car southbound on Victoria Park Ave approching Finch Ave aorund 9:00am on Dec 22, 2013 and my car T-bond up to another car which was westbound on Finch Ave. The intersection...