She's making a claim

You think i'll be OK?

Has my ncb still gone out the window if they do suss out she's full of ****?

Can i actually press claims for her *******s?

Hey, thanks for your reply. Did I mention I have a box? A box that tracks my speed and will make it clear that I wasn't over 5mph? And also that the accident took place on Wednesday. She only rang up today?

Are you saying that based on the accident, they could let me keep my NCB if they also smell BS? (or is that just the most stupid suggestion i've ever made?)

It seems like I've just been caught out by someone that knows how to play the system and I should just let my insurers deal with it, which is frustrating because she's so full of **** and considering the number of other people that also have to put up with this nonsense, more should be done to prevent stuff like this.

Thanks for all of your help, I'm really appreciating all the advice I can get whilst I completely sit at home and freak the hell out.

If you are using those black box type insurance, it is quite likely that the insurance company will have the data they need to not pay out.

Recently my daughter who drives my car in UK had something very similar. While waiting for a parking lot, the very car that was coming out of that lot reversed into it. There was some damage to the other car to which the woman driving it said to not worry about it as she didn't want to have an incident report as it would affect her insurance. A week later she changed her story to the police and that her car was hit from behind and caused significant damage, also claimed for whiplash. I told her to show me pictures of the damage to her car as we didn't take any pictures. Truth be told, my daughter didn't think of taking any pictures at the time. She showed some pictures of her car with more damages, as if she had purposely reversed into a stationary bus at higher speeds to inflict those damages.

Insurance company said they checked the data and damage to her car was inconsistent with the speeds involved. Said at the exact time of the incident the car was stationary therefore speeds were simply too low for whiplash injury. If you were doing under 5mph it is unlikely the car would have suffered any damages and more than likely the black box registered the car moving at 1-2mph as it uses GPS where the speedometer in a car normally over-reads.

The insurance company did say that since the car in front refuses to acknowledge that it was reversing out of a parking bay then as the car at the back we'd have to pay up to 50% of the damage of their vehicle. I called up that woman and told her we had CCTV footage from the supermarket and that unless she withdrew her claim I was heading to the nearest police station to make a report for making a false statement. She withdrew her claim immediately. We did report her anyway and gave the police the video recording from our dash-cam app which clearly showed her reversing into our car.

If your black box is a fairly recent one, then it records a surprisingly high amount of details so do pursue your insurance company about it.

You don't have anything to lose at this point.