First of all, there was no accident between myself and her. So, she is making false accident claims with her insurance and I don't want to pay for that, considering also that I was not covered by an insurance policy at that specific point (without my knowledge). Also, I would like to sue her for defamation, as she has been doing false accusations against me in my work place.
We were both queuing to enter our University's car park (I'm a lecturer and she's a student) and suddenly she stopped because she thought that I banged her from the back of her car. I agreed to pull over and actually there was no collision or damage, but even though, because she was quite upset, I agreed to exchange our details. To be honest I was quite naive to do that and not even keep evidence about the fact that there was no damage. Also, they were people stopping by and confirming that there was no accident. After that, I got a phone call from Lancashire police informing me that there is an accident claim against me by her. She reported that the back of her car and the driver's door were damaged and that she had to attend a hospital for neck pain following the collision. At this point, I was also informed by the police officer that my insurance had cancelled my policy, but I had no knowledge of that. After that, I tried to contact her to the mobile number she gave me at the place of the incident, but she never replied. Instead she made a complain to my university that I misused the university resources to access her, which I never did. Also, in her complain she falsely accused me of causing the accident.
Thank you, ***** ***** the issue with the accusation and I can deal with that on the basis of the University policies.
However, with the insurance issue, how can I defend myself and prove that there was no accident at all and that she is making false claims? Normally, my insurance should do that, but they are refusing as they are claiming that at that time I was not insured with them.