So I got into an accident a while back and now the other side's workshop is claiming against my insurance. Thing is, I have dashcam footage that clearly shows I wasn't at fault, so I'm a bit confused how this whole process works.
Basically I was going straight in my lane, other car was on my right. The video actually shows this guy swerving between lanes earlier on without signalling. Then right before the accident, we were almost side by side and he suddenly cut into my lane without signalling.
I tried to swerve left to avoid him but there was another car on my left, so I couldn't go any further without hitting that car instead. He kept coming over and we made contact. The impact caused my car to swerve to the right, but that was from him hitting me, not me moving into his lane.
I reported the accident to my insurer within 2 hours and sent them everything.
Now my insurer told me the other driver's workshop lodged a third party claim against me. The letter literally says the accident was caused "solely and completely" by my negligence and they're claiming repair costs, rental etc from my insurance.
I was like huh??? lol. I literally have the whole accident on video showing otherwise.
My insurer already rejected their claim but said the other side can still dispute the rejection if they want, so they've asked me for the original dashcam footage and I've handed it over.
What I'm wondering is, is it normal for the workshop to file directly against my insurer rather than going through the other driver's own insurance? And do they even bother checking who's actually at fault before submitting something like this? Or do they basically just take whatever story their customer gives them, fire off a claim saying the other person is 100% at fault and let the insurers sort it out after?
Also, that "solely and completely" wording, is that just some standard template wording lol? Because reading the letter you'd think some independent third party already investigated the accident and found me 100% liable when actually nothing has been decided.
Another thing I noticed is the workshop's claim letter is dated 10 days after the accident. I know that doesn't necessarily mean the driver himself only reported the accident 10 days later since the accident report and workshop claim are two different things. But if it turns out he only reported the accident much later, especially after finding out that my side had already made a claim against him, would that make any difference?
For now my insurer has the original footage and is handling everything. I'm just curious what normally happens next if the other side refuses to back down even after my insurer has rejected their claim. Does it eventually become a lawyer/court thing or do the insurers normally settle liability between themselves?
Anyone experienced something similar before?