Thanks rescue16. Never thought about the cctv camera, I will take a look at the roads tomorrow itself to see if there are any cameras. How do I figure out whom to contact to find the content of footage(if any). Xyz first called me & wanted to sort it out outside insurance, I was ok with that too as I knew it cannot be a big amount and had asked xyz to provide me the quote. But later on xyz backed out & said lets go via insurance. I was ok with that too, as I honestly did not see this to go down such a bad route. I wish there was some process where I can force this person to take a lie detector test. This letter has come as a shock & as a bolt out of the blue. I need to find a solicitor, probably will start scanning yellow pages to find one in local area. Will also inform my insurance folks on Monday. Wonder if they can determine anything by checking my car, if my car had very less damage, obviously the other car could not have had bigger damage. Should I call xyz to find out why xyz filed a suit against me? OR is that a bad idea? This person was very nice to talk to, so I really would like to why this sudden change in nature and why this dishonesty.