Hi, I received a letter of demand from "Lumley Insurance" for a vehicle damaged as a result of an accident caused by me. This is 100% false, because I was in a hopsital for my ear operation on the day of the accident. I called my car insurance AAMI to report this matter, and they said that I have to pay an excess around $550 for the investigation. If they find that I was not involved in a car accident, then they would give me the money back. I also went to the police station to report this matter, and the police officer cannot find a report made for the car accident. My aunt said that she saw the victim came over to our neighbour house (I live in a flat with 4 units) in regards to the car accident. I think the offender have purposely gave him my car registration number to the victim, because his car was not insured. My car is insured under third party. Should my aunt be the witness of this incident? Should I take a photo of his car? Should I park my car in the garage in case he damaged by car? Any advice is appreciated.