I was recently involded in an accident, in late 2018, where a pedestrian accused me of hitting her when I was reversing.
I did not hit her and I was arguing with her about it but she believed I did.
She filed no police report or call the ambulance, did not take down any of my details and she just went about her day.
(keep in mind I saw the women who claimed to be hit walking fine the next day)
A couple a weeks later I recieved a letter from a solicitor making a personal injuries claim.
Of course what followed was a call from XS Direct.