My 20 year old daughter recently joined a gym. Two weeks afer her first visit she received notification from her insurance company that she was being accused of damaging a vehicle in the gym's carpart. The accuser said they have photos. of both cars and that they had tried to find the owner of my daughters micra in the gym but had not been successful.

My daughter was bemused and said that she had not had any such accident. Yesterday she received from her Insurance company a few photos. these showed her car parked in the bay next but one (a clear car parking space between the cars) to a polo with damage to its rear right wheel arch. They also showed close up damage on the polo which went clearly up and over the wheel arch with maybe a hint of some blue in the scuffing. they also showed a picture of her front right bumper by her lower wheel with a graze on it passing straight across onto the wheel trim. On examining her car there was indeed this small mark which she had not noticed. The scuff on her lower wheel surround which continues on her ttrim edge show her car had to be stationery when received as the chances of the wheel coming to rest exactly in the same lscuff line would be hihgly unlikely. The much higher marks on the complainents could only have been made by her car in the main iif she had been levitating.

She had told the insurance company that if she had caused any damage to another car she would leave a note and had she been a more devious person would certainly not have left the car so close to the scene of the accident. But she continues to insist she absolutely knows nothing about any incident.

It is patently obvious from the pictures that both cars have degrees of damage, but it is patently obvious that the damage on my daughters car does not relate to the extent of the damage on the other vehicle.

To us it appears that a third party, using the very tight parking spaces must have hit both of the vehicles first one and then grazed my daughters whilst in a panic at disengaging from the first impact. It would be laughable if it weren't causing my daughter such distress at being bombarded by her insurance company trying to get her to agree that the paint smear of blue on the claimants car appears to be a blue hue similar to her own.

She is a careful and considerate driver and stands to have her, already high, premiums bumped up for no other reason that to have parked innocently in a bay not even next to the accuser. any advice as how to proceed. Thank you.