Mike Makela wrote:

I'm really at a loss of what to do, my insurance company will cover it minus
the $250 deductible, but I really don't want to pay a cent since I did not
damage the car. I don't understand how they could file a claim against
my credit if I am disputing their claim, and that they would have to take me
to court before that.

Let your insurance company handle it, but tell them that you suspect the
claim is bogus.

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