Racq wasting my time with private investigator
I recently bought a new car. I took out an insurance policy before I collected the new car. One day later had a car drive swerve into the side of me. The other driver let me take a photo of his digital licence but refused to give his phone number or his insurer. I called police but the driver left before they arrived. (They never arrived).
I made a claim online and in the days after the incident I spoke to RACQ and they said they should be able to track down the other drivers details.
Several weeks later I'm being contacted by Quantum corp saying that they are investigating my claim for fraud. (It's worth noting that the damage to my car is minimal and probably less than the cost of my excess, yet alone the policy cost). Quantum corp want to have a 90 minute recorded video call to, what they tell me, confirm the accident happened during the time I was insured.
I have my new vehicle contract. I have photos picking up the new car the day before the incident. I have call logs to police link reporting the incident. I didn't submit a police report straight away as I felt it was a waste of time and RACQ made it seem like it wouldn't be necessary. I also knew the other driver was only 19 and a P plater so a police report would likely end up with him getting an infringement and losing his licence and I didn't want that to happen.
Am I obligated to consent to the video call or can I refuse and just provide the contact, photos call logs etc?