Hit and run !

[oglandersue]

insurance company has just informed me that i have been accused of hitting a parked car. They have a so called witness !! i think i am on the end of some type of insurance scam. I was out in the car that day but was not involved in any incident. Any thoughts/advice ?

[PeckhamRose]

Get some paper and a pen, and write every single thing you can remember of that day, using diaries, and receipts, and memory. Sign and date it and keep it and amend it as more memories / evidence appears. Horrid business. Best wishes.

[Jeremy]

Surely a quick inspection of your car (or even photos) should sort this out pretty quickly?

[Loz]

Check the car park for any CCTV cameras. If there looks like there was coverage check with the company for the footage. If they refuse you can make a request under the Data Protection Act.

[intexasatthe moment]

A neighbour of mine had problems ( sorry ,but a lot of long running problems ) because her car's number plates had been cloned .

[Huguenot]

If it's in the centre of London the congestion charging cameras should be able to provide a record of your movements, and see where it conflicts with a clone car.

Where was the incident alleged to have taken place? Were you actaully there?

[uncleglen]

You poor thing- there is some vile scum around these days. A friend of mine had just passed his test and someone rear-ended him in Catford- and guess what? No insurance!

[dulwichgirl2]

My husband's plates were stolen just before we were married, causing a lot of nuisance. We cldnt work out why as we never heard further about it not were we ever accused of anything (as we were dreading might be the case).

In this case, I think I would go to a police station with your car, show them photos of it in its presumably I damaged state and make any sort of official record of all that, plus details of the day as suggested above. Then report to the insurers all this mentioning specifically that you have involved the police and that they have notice of the accusation and the (presumably good) condition of your car. Send them an invoice for your time if you are feeling gutsy or a statement that you are keeping records for the purposes of making a claim against them in due course if this goes any further and wastes any more of your time. Better still a lawyer's letter but who wants that expense?

Good luck! Hope you nail them.