Hi, sorry if this isn't the best place to put this.
7 months ago my husband slightly scraped a parked car. He of course made the owner aware and,due to the value of the damage being just £100, (based on quotes obtained at the time) he offered to pay and have it repaired privately.
The owner said she would get back to us but never did.
We saw her two weeks later with a courtesy car and said "let us know what's owed" and she said that the courtesy car was due to her all but writing her car off.
We heard nothing more until last month when hubby went to renew his van insurance, and was told that there was an active claim so he wouldn't be given his no claims. It turns out that the woman my husband had hit, in his car, was trying to claim from his van insurance and was maintaining that he had hit her in his transit van.
We have a witness in the form of a neighbour who came out just after the accident and can verify that it was indeed the car that hit her car.
My question is, what do I do? Hubby has lost his first years no claims on a vehicle that wasn't in a fault accident. She is knowingly making a fraudulent claim and I would like to see her dealt with appropriately for that.
We have never had any issue taking responsibility for this accident, and the car insurers at my end are aware (but are very dubious about paying for the damage should she contact them based on both her claim that the van hit her, the time she left it to claim and the fact that she has been in a significant accident since.)
The van insurers have investigated the damage and have said that the bumper has crumpled underneath. Now, I have photos of the damage. There's a shattered reflector at the bottom and about 3 small scratches on the bumper. No way would any "crumpling" have occurred from the impact. It was so small, there wasn't even a scratch on hubby's car.
How do we go about a) having her punished for her fraudulent claim, b) ensuring that our insurance pays out only for the damage we did, and not the damage she has allowed to occur since?
As I say, we are more than happy to pay for the damage hubby did, but no more.
7 months ago my husband slightly scraped a parked car. He of course made the owner aware and,due to the value of the damage being just £100, (based on quotes obtained at the time) he offered to pay and have it repaired privately.
The owner said she would get back to us but never did.
We saw her two weeks later with a courtesy car and said "let us know what's owed" and she said that the courtesy car was due to her all but writing her car off.
We heard nothing more until last month when hubby went to renew his van insurance, and was told that there was an active claim so he wouldn't be given his no claims. It turns out that the woman my husband had hit, in his car, was trying to claim from his van insurance and was maintaining that he had hit her in his transit van.
We have a witness in the form of a neighbour who came out just after the accident and can verify that it was indeed the car that hit her car.
My question is, what do I do? Hubby has lost his first years no claims on a vehicle that wasn't in a fault accident. She is knowingly making a fraudulent claim and I would like to see her dealt with appropriately for that.
We have never had any issue taking responsibility for this accident, and the car insurers at my end are aware (but are very dubious about paying for the damage should she contact them based on both her claim that the van hit her, the time she left it to claim and the fact that she has been in a significant accident since.)
The van insurers have investigated the damage and have said that the bumper has crumpled underneath. Now, I have photos of the damage. There's a shattered reflector at the bottom and about 3 small scratches on the bumper. No way would any "crumpling" have occurred from the impact. It was so small, there wasn't even a scratch on hubby's car.
How do we go about a) having her punished for her fraudulent claim, b) ensuring that our insurance pays out only for the damage we did, and not the damage she has allowed to occur since?
As I say, we are more than happy to pay for the damage hubby did, but no more.