Hi Tyro, welcome back!!
With hindsight it was probably a mistake not to advise insurer at time of accident. Somebody over on Honest John is getting serious runaround from Admiral over an accident she supposedly failed to report. Issue there is alleged mistake by witness with registration number so very different to yours but hopefully you'll not be penalised for it.
Whether he's just a chancer taken in by 'blame & clame' call or a professional cash for crash operator you don't know. If you think it's fraudulent then you need to let insurer know that in clear and unequivocal terms so that they can handle it appropriately. Insurers do seem to have got some backbone recently. Cases have gone to court with claims struck out and the normal cost sharing rules set aside leaving somebody, either the claimant or his lawyers with a massive legal bill.
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