<prompt> Human: Hi! Not sure where to turn so maybe you personal finance gods can share some advice. Thank you in advance. Long story short, GF is new to US so I am helping her resolve this. She was driving on the highway 10 E here in Los Angeles and a car in front of her braked suddenly in heavy traffic. She braked as well, but bumped the other drivers bumper as well. They pull over and this chinese guy comes out screaming that she needs to give him money. She takes pictures despite his screaming that she cant take photos without his permission. There is no damage to her car or his. She drives a black SUV and him a white car. Black paint shows well on white bumpers, nada, zilch, no dents or anything. She calls me asking how much money she needs to pay him and how this feels wrong. I tell her just to get his DL and other info, not to admit fault, and if the other driver doesnt cooperate to call the police. She gets his DL info and plates then asks him if they should call the police due to his hostility and he leaves immediately. We chalk it up to someone trying to make a quick buck.This is where it gets juicy. Fast forward 6 months later she receives a letter from a company on behalf of the other drivers insurance asking for 1400 dollars. Wasnt a collection company either so this was another red flag. There wasnt any notice sent to her insurance company or any other form of contact. We contact her insurance company from that time as she switched auto insurance during that 6 months. We are both on the call to the adjustor and she retells her story, stopped short, no damage, no scratches, ect.. The adjustor tells us not to worry and that it sounds a little fishy. They will start an investigation. Fast forward to now 2 months later, she receives a letter from her insurance company stating that she is at fault and will need to fork over the deductible. This just screams shady to me, no damage, demanding money from the get go, no contact to insurance company, and a letter from a company other than his insurance company 6 months later asking for a check for 1400.The letter from her insurance company has a number we can call with questions. I think an appeal is needed. What else can we do?  <response>: You dont have a deductible when someone files a claim against your liability policy. Get the insurance companys number from their website- NOT the letter-, give them another call, and explain the situation. 