Trouble here is that the insurance company is quick to settle without checking the facts, I had an experience a few years back when a lady about 70 hit me from behind, not a scam this, she was in that phase of Alzheimers when she got angry, I had dragged away from the lights along side her and she had a Honda small thingy so having got away she came round the queue down the road and hit me, as you say the car is tough, her canoe section fell off with some other damage, her husband was a nice chap not coping with the dear, As I had no damage at all I did nothing much else and this proved difficult when I wanted to switch insurer as they had this on file all from her side, it took a bit of explaining that I was in a traffic queue, was not moving and was hit from behind never mind that the Morgan had not noticed the bump.
So fight it all the way its your premium that matters, - me I know the hard way.
PS I work in transport and the best thing we ever did was equip our fleet with cameras, very quickly the fraudster scammers learn they had to avoid reversing into our vehicles as we had it all on CCTV, it saved a lot of our drivers huge bother on things before we might have sacked them for, - watch out the scammers are out there.!
