Hello, I have had this really bad experience where in my car insurance company upheld claim from another party that my wife, while reversing the car, hit his car and that his sensors and other things broke down. My car on the other hand is spotless. Not mark anywhere.
I dont want to dispute if there was any accident or not, but even so the insurance company accepted the claim without any investigation. They accepted that there indeed was an accident based on balance of probability that I was present at the time/place of incidence. No further investigation at all.
As far as I think, there may have been an incidence but only very minor. My car is spotless and that makes me believe that the accident, even if it occured, must have been minor. The claimant is only using this as an opportunity to get his other broken items fixed, all at my cost.
What are my chances if I went to Ombudsman?
Does the insurance not have to do further investigation like whether say bumber of my car can even reach the sensors of his car?
What is the general protocol.
Do insurance companies have to carry out such investigation and produce some report, even if preliminary.
If not then anyone can come and claim a world from me, even if I am not genuinly laible for it.