A consumer approached me on this problem. He had a minor accident 8 months ago. He decided not to make any insurance claim and carried out his own repairs. He has now received a large claim from the other vehicle with a witness report that placed him in the wrong. The claim was inflated and the witness was probably ,making a false statement.He submitted the third party claim to his insurance company - but the claim officer rejected the claim as he did not make a report at the time of the accident. He is now in a dilemma and does not know how to handle the third party claim. His only recourse was to engage his own lawyer to fight the claim, but it would be costly. It was likely that the claim was fraudulent but it was quite sad that his insurance company was not assisting him ...