As there is no damage to our car why would I bother to claim? Legally we dont have to??
Also seems like someone trying to make a quick buck - $800 seems a bit much for a bit of paint and a new headlight??? (That probably doesn't NEED replacing?)
I would think the insurance company would get 3 quotes that would come out much cheaper but still, considering I couldn't presently pay $80 let alone $800 even if I wanted to the whole thing is a bit odd...
The main thing is - requiring us to put in a claim? there's no law regarding this is there???