Being accused of hitting a parked car!

[astraea]

So this morning I was on the school run. Always limited parking around the school, luckily there was a big space on the street before the school so I pulled in, was just getting out the car when a man came out of the house I was parked in front of, walked to his car which was parked behind mine and then accused me of hitting his car!

He walked over to the front of my car and started taking photos on his phone, I looked at where he said I hit him and couldn't see anything and said as much; I also looked at mine and there were no marks whatsoever and said as much.

He was swearing at me and a woman walking past told him to stop being so aggressive, I just left and took my ds into school.

When I came back to my car; he came out of his house again. I got in my car and locked the door as I felt quite intimidated. He came to my window and was tapping on my window with his phone telling me to put the window down.

He said he was ringing the police as I was leaving the scene of an accident. I would my window down a little and said there was no accident, I then realised he was filming me. I commented that I didn't give permission for him to film me, that I hadn't hit his car; and there was no damage to either car, he stood blocking me from moving for a minute and then moved.

So...

Do I need to report this to my insurance?
Do I need to report this to the police?

I've taken photos of my car and his car, no marks whatsoever on my car; his car has some light scratches but nothing to do with me.

I have 7 years no claims bonus and I'm worried about losing it for something I didn't do?!

Thanks for any advice/help

Tell your insurance company and the police. Give the police your insurance details otherwise I think it’s an offence not to exchange details.

I have reported what happened on an online accident form to the police to cover my back. It lets you say there was no damage to either car and also give an explanation of what happened which I have done and explained that I did not hit his car.

There was nowhere on the form where it asked for insurance details.

Will reporting this non accident to my insurance have repercussions on my premium? I have 7 years no claim bonus which I'm terrified of losing!

Also, is it an office where no accident actually took place? He is just alleging it did?

Sounds like some butter who doesn’t like school run parents parking outside his house. Reporting to police so there is a record is fine I wouldn’t bother the insurance with what is essentially a non event. If he takes it further the insurer will get in touch anyway.

lol nutter not butter!

I did ring my insurance, they have taken it as information only.

Hopefully he will not try taking it any further! If he does I have pics of my car and his car. His car has very light scratches but not from me

Sounds like a nutter. Just ignore it. If you had hit his car you would have been aware of it.

People can't just phone their insurance and tell them someone hit their car and then your insurance pay out for it. There has to be some kind of evidence or proof, and even showing photos of scratches isn't proof, as they could have been from anywhere.

I would advise you get a dash cam, as if you'd had one, you could have quickly saved the recent footage as soon as he came out, to prove you'd parked without incident.

Yeah I'm looking into a dash cam for the future. I know it does not help me now but hopefully if he does try to make a claim it won't go anywhere!

Your insurance company will deal with it.

This happened to my mum. She just got a call from her insurance to inform her about it. It was also someone at school and he had the brass neck to shout at her in the playground one day, even though she hadn't done anything.

He tried to make up damage and whiplash claims and all sorts as he was sat in the car when she supposedly hit him. In the end someone came out to inspect car and after diagrams etc they said that it was impossible for the damage he was claiming to have been done by her.
Insurance companies aren't stupid, just call yours, explain what happened and let them deal with it if he takes it further.

Her no claims etc weren't affected

Dashcam ?

I had a letter from the police stating that I'd left the scene of an accident. I knew exactly when and where I'd parked that day, and knew full well I hadn't hit a car. Apparently it was caught on cctv. After several months of stressing I recieved another letting stating no further action, because he hadn't actually caught anything on cctv (as there was nothing to catch) Just a local with a bee in his bonnet about people parking outside his house. I like to wink at his camera every time I go past now.