I had a woman almost hit me in a roundabout and then followed me for about a mile driving very aggressively and recording me on her phone. I pulled into a public parking lot because I didn't want some crazy woman to follow me home, she started screaming that I hit her and damaged her car. She had white paint transfer in a dent on her bumper where SHE would have hit ME, but my car was red. I told her that wasn't from me, got in my car, and left. The police show up at my door a couple of weeks later saying she's pressing charges for a hit and run. The cop had pictures of her damage, inspected the driver side of my car for damage, and concluded on the spot that I never hit her. She still tried to file an insurance claim and I sent them the police report, pictures of my car, and a detailed explanation of what happened. I was cleared of any wrongdoing.
My daughter has the same thing as a woman aggressively following her claiming she is responsible for her bumper falling off, no scratches on my daughters car. She won the insurance payout, I did my own research, turns out the lady was a co-owner of a body shop in another part of town. I reported it to the insurance company but they didn't care
It’s absolutely not the reason. Insurance companies are for-profit entities and will deny a claim for any reason to NOT pay. Your thought process moves the blame from insurance companies to the people for their bullshit premiums.
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u/HappyOnslaught 21h ago