No collision, yet pursued for compensation — drivers struggle to protect themselves

A car owner who was involved in no collision at all suddenly received a solicitor's letter nearly a year later, pursued for over six figures in personal-injury compensation — and the other party's medical certificate and the solicitors' firm that issued the letter turned out to share the same origin as other identical cases. Local consumers report that many similar cases involve a solicitors' firm of the same surname and the same doctor; the claimant alleges a neck injury yet never called the police or an ambulance on the day of the accident, with the injury supported entirely by medical documents drawn up afterwards.

Because the statutory limitation period for personal-injury claims runs into years, even a driver who hit no vehicle or pedestrian at the time of the accident struggles to preserve evidence on the spot or notify the insurer, and often only realises the chance to protect themselves has been lost by the time the letter arrives. Under the current system, insurers frequently refuse to take up the case on the grounds of late notification or the absence of an actual collision, leaving the car owner to face the litigation pressure alone.

Novice drivers, unfamiliar with the procedures, choose to settle privately or simply pay up, making them repeatedly targeted.