Sounds like the matter is progressing as it should. I am not sure that the wording ‘have you been involved in accident?’ should really be held to apply to a situation such as this . You were not in anyway involved, since you were not even there. Hopefully it is a point that has been understood by their insurance company.
I accept that insurance companies are as slippery as a box of lubricated eels. A recent case saw AXA decline 90% of a claim because the now comatose injured party had not declared an inhaler they once got 4 years ago and about which no one else knows anything. ‘Helpfully’, confidentiality allows the insurance company to see this data, but prevents anyone else knowing what went on. Clearly that is (not) in the patient’s interest! I am now reconstructing my medical history so that rather than simply filling in any unlikely future insurance proposal box I can dump the fullest file of data on their lap and tell them to quote or walk away before any possible travel, with an E&OE foot note of course.
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