I had similar last week.
My car was parked outside my front door.
Mid afternoon there is a knock on the door and this chap said I am sorry, I have hit your car whilst I was parking.
Expecting the worst, I went outside and in reversing into the hole, he had misjudged the gap and his front offside wing had hit the rear nearside corner of the bumber of my car.
At worst, the damage to mine was a bit of touch up paint, but in reality, I am pretty sure that a coat of T cut will get rid of the marks. He had significantly more damage to his Dagenham Dustbin.
Anyway, after calling him a few choice words for his clumsinessm I obtained his details and told him that I was pretty sure that I would not be claiming and that in future he should be a bit more carefull.
It transpired that the neighbours had seen what he had done and said clown was going to drive off until the neighbour pointed out my background which prompted him to come and knock on my door.
Anyway, about 90 minutes later I get an email from my insurers regarding the accident I had been involved in earlier that day. I sais to my Mrs that I thought I had a scam email and these scammers worked quickly these days, but 5 minutes after reading the email I get a phone call from my insurance company.
Apparently it seems that said tosser had gone home and panicked about being revented from leaving without stopping and so to cver his arse, he contacted his insurance company who happen to be owned by my insurers. They looked up the details of my car saw that I was insured with then and called me.
So I had to go through chapter and verse about how my car came to be damaged even though I ade it clear that it was parked and stationary outside my house.
They wnated to know when last drove the car and for what purpose (I have business cover anyway)
And then he went on about crashes and how they investigate at which point I suggested that he looked at my details in respect of what I did for a living which was a good idea as he shut up very quickly for fear that I might catch him out with hs lacl of knowledge.
So it went on with a load more anal questions with the punchline being him asking f I intended to make any claim which I had already told him was not my intention.
This call took about 45 minutes by which time I was losing the will to live, so he said is there anything else I can do for you?
I said you have not done anything for me other than annoy me, but et me add (which is in keeping with the thread) if I get hit with an increase in my premiums because I am deemed a higher risk when I was not even in my car and the tosser who hit me panicked, then I will claim and sue for the 5 years of increased premiums and the fact that I have to declare the collision.
He said "You can't do that" I said "Really?" "You clearly do not know what area of law I work in do you"
The phone went down very quickly after that.
I will be interested to see if there is a a premium increase in August when the policy is due for renewal.