So like the title says, my company looks after a small condo complex, and one of the residents there is claiming that we hit her car with our mower. She says it's a loaner vehicle from her car dealership, and wants to make a claim against our insurance. We definitely didn't hit her car, I was the one operating the mower that day. She sent us photos of the damage and it's really obvious from looking at them that she curbed the car. All the scuffs to the bodywork are in perfectly straight lines low down on the body, and the one wheel that's scratched has neat circular marks on it from where it rubbed the curb while it was in motion. She's basically trying to scam our insurance to cover the cost of the repairs that she caused to a loaner vehicle. The property manager who manages this complex has been a real problem customer for us and has caused us a number of issues. They like to try to scapegoat us for everything so we're ditching them. Predictably they're trying to tell us that it's our fault and that we need to allow this resident to make a claim against our insurance. Three things to note about this. One, this is in Ontario, and from what I can gather the rules here are that she has to report this damage to her insurer immediately and must make a claim against her own insurance policy. Two, she said in an email to the property manager that she didn't witness it happen, only that she "didn't notice the damage until they were gone". Three, our contract with the property manager doesn't make us liable for any property damage, in fact it doesn't mention property damage at all. So, since the property manager is trying to pin it on us, we're at a loss for how to handle it. We've tried telling them that it's nothing to do with us, she needs to go through her own insurance, but they've just come back saying that we need to let them make a claim against our insurance. Anyone have any ideas on what to do next? BTW we've already decided to drop this customer entirely.