My son, a learner driver who's driving as a named driver on my daughter's policy, recently received a letter from solicitors claiming that he'd reversed into an old man on a bike in a car park about a month ago. The man's solicitors are claiming damages on the policy. My wife and son know that no such collision took place. The man fell off his bike just as my son was about to reverse out of a parking space. He spotted the man fall off his bike, switched off the car and immediately went to assist. The man had a tiny graze to his head and to his arm. There were no witnesses. An ambulance was called (due to the man's age) and the police attended. The police stated to my wife that because no damage had been done to either vehicle because no collision had taken place and the man's injuries were so slight, there was no need to notify our insurers and we thought no more of it until the letter arrived today. The ambulance crew stated that they were only taking the man to hospital because of his age. This is obvious fraud but with no witnesses, what can we do to fight it?