Why is reporting a minor accident so difficult?

Is it any wonder car insurance is so expensive? A couple of days ago, my wife had a 50/50 door mirror clash on a narrow country lane. Both mirrors were broken but there were no other damage or injuries. The other driver insisted she was contacting her insurance company to make a claim so my wife contacted her insurance company, Lloyds. The calls lasted well over an hour when she kept insisting she wasn't claiming, but she had to go through it all with Lloyds, then an underwriter, then Minster Law who have rung back four times, sent an SMS and now a letter claiming they are the experts at getting compensation even though they have been told she isn't claiming and has fixed the damage for under £10.

Asked on 12 October 2013 by SC, Grantham

Answered by Honest John
It's fingers in pies. Anyone offering to "help" is looking for a cut from credit car hire or injury compensation. Bunch of parasites. But the insurers don't do anything very much to stop it because some of their employees are in on it and the customer pays in the end.
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