I've been accussed of a road traffic accident, in which I was allegedly involved. After a few calls with my insurance company, I found out that accident happened almost 8 months ago and 100 miles from the place, that my car has been left or used. I explained to the insurance company that somebody is making a false claim (including neck injury) and said that I haven't been involved in any accidents at all in my life. I said that somebody is making a false claim and it should be reported to the police or I said I'll do it myself. Representative of the company asked me if I still own that car, but I answered that I sold it (and it's true) and that's why I cancelled my insurance with them (obviously fake claim date is before I sold it). They said it might be a mistake and they will ask for more details from a third party. After two days I rang them again as I found out that my car on that day was at a local garage. All they said that they don't need anything from me as the case has been settled and only that I might be contacted by a third party. No explanation or apologies for the stress they caused me. The question would be - does 'the case been settled' mean that they paid some money to a third party (in only about 3.5 days)? And why the third party will need to contact me if I had insurance company who should deal on my behalf? Now I have another car that is insured with different insurance company. How can it affect my premium and what are next steps to prove that I never been involved in any accident?