(also posted on MSE)
lo, just looking for a sounding board.
The gf was flagged down by a guy several weeks ago who claims she clipped his van wing mirror. She had a look and there was some minor damage on the mirror of his BLUE VAN. She didn't have her insurance details so gave address, number, reg number etc. Didn't get his reg number or details (I know ).
Gets a phone call last week from the taxi company the guy works for saying they need £250 for repairs of the BLACK AND WHITE TAXI CAB she damaged. Obviously she said "what taxi cab - it was a van" and later she gets a call from the original guy saying "hi love, you remember me right? you clipped my taxi" - like she couldn't remember that it was a van to start with. Assumed trying to scam her.
Today gets a solicitors letter referencing the accident to name and a car registration number - no indication if this is the van or the taxi / the taxi owner or the original guy - and demands insurance details within 10 days.
My advice was to forward to her insurance company and let them deal with it, however, she feels - with some justification - that for minor damage the insurance company will just settle or go 50-50, losing her the no claims and excess - but more importantly letting a liar scam her. Looking at the height of van wing mirrors and hers I have doubts the original accident ever even occurred.
She plans to write to the solicitors outlining all this - the taxi firm is a large one so is unlikely to be in collusion in any scam - but I figured she might have obligations to inform the insurance company. I know ppl settle these things without informing the insurance companies but I don't know how that sits legally or within the policy T&Cs. I think she feels once they have her insurance details it will be out of her hands and she has lost.
Any thoughts most welcome.