Insurance chiefs have warned people to be aware of unusual car scams after an incident in Thame.
Ann Morris, 64, from Essex Road, said she is changing her car as a result of the bizarre series of events.
She said: “I received a phone call from my insurance company asking about an accident I had.
“I told them there had been no accident.
“The next person who rang stated that a witness had seen me hit a Vauxhall Astra, get out, look at the damage, get back in my car and drive off and she had left my details on the Astra.
“My insurance company are insisting that I don’t have a hope because of the witness statement, who they say has described me and my car in detail.
“When I told them about the receipts which I am tracking down from the shops I visited, I was told that someone else could have used my card. “Later that day the same person came back and said that the witness had further described me as an older woman with shoulder length hair.
“I am older but not with short hair.
“The woman at the insurance company said ‘you could have had it cut.’
Ann, who has been driving for 45 years said: “I was driving a blue Mazda MX5 convertible but I am going to change my car as a result.
“It makes me not want to go into town and I am certainly very nervous when I park in Thame.
“It was a very unsettling incident for me.
“I would be very interested to find out who this supposed witness is.”
A spokesman for the Insurance Fraud Bureau said so-called ‘ghost accidents’ have been seen before, and it is not until the insurer gets in touch that the victim has any idea what happened.