Insurance company dept

Hello and thank you for visiting my campaign. I'm sure a lot of people are in my situation:

On the 13th of October 2014 i was driving while going home from work and with no reason another driver in front of me decided to hit the breaks aiming to claim injury claims. I sent pics with the event to my insurance so they can see that no damage was made but they saw that i had some company stickers so guess what... they called me to inform that my insurance is voided and that i am liable for any claims made by the third party. Eventually after a long and exhausting argument between me and my employer,insurance company and third party it was decided that i have to pay 9800 pounds even doe the accident was not my fault and the car was my employers car together with the stickers which also i didn't know they are considered modification. The through is that the insurance company didn't even investigate nothing they just wanted someone to pay the claim. I'm tiered of being called and threatened with court and legal actions now and i want this to be over... so i decided to agree to a monthly payment. However i cant afford it its just too much ... Its very strange to do this campaign thing but its my last resort and thank you in advance for your help.