I need advice about a situation I’m facing with an insurance claim: Car A (with me and gf) reversed into Car B backing out of a parking space. Both cars have tiny topcoat scratches, and one of the plastic plugs holding the bumper on Car B has popped out. The impact was significantly slower than walking speed and it’s literally just a t-cut job to fix it. Car A owner is an older woman, British, who then has multiple nervous breakdowns trying to fill out her details; crying, numerous mistakes, information we later find out is incorrect, and no insurance documents on hand. We did our best to calm her down, explaining it was a really minor bump and not to worry, but during one of her meltdowns she explained that it was the second time she’d been hit in the space of 2 months - except the last impact she wasn’t able to get the cars details because apparently they drove off before she got there. Eventually, after my gf had literally had to fill out this ladies details for her because she kept making ‘mistakes’, and after waiting for nearly an hour for her husband to send her her insurance details, we just left with the form incomplete, but as we were the car at fault she had all the info she needed if she wanted to claim for the paintwork on the bumper. Fast forward 6 weeks, and it’s a bill for chf4000. She’s taken the car to a garage who apparently have a ‘no questions asked’ relationship with her insurance company (she says) and the garage has billed for what seems to be an entire new front end and sides bumper. We have suspicions that she was unable/unwilling to claim for the first accident, and that she used the very minor impact with our car to claim for damages incurred from the previous accident, but of course we’re unable to prove it. Do I dispute the claim and give my insurer the details about everything she told us? We took photos obviously, and there’s practically nothing visible, so how do I handle this with my insurer? submitted by /u/Carbonaraficionada
Originally posted by u/Carbonaraficionada on r/Switzerland