My wife was involved in a minor accident when she ran into the back of a van. There appeared to be no damage to either vehicle but we have now received bill from the van owner’s insurance company for more than £700 of repairs. What should we do?
You could obviously pass the bill on to your insurance company, lose some of your no-claims bonus and pay whatever excess you’ve agreed. Alternatively you could defend the claim, in which case write to your insurers quickly telling them what you intend. I suggest you ask to see the repair shop’s photos of the damage; it’s normal practice in insurance claims to take pictures before commencing repairs. If the van owner can’t produce any and the matter came to court it would look suspicious and help your defence.