The insurance agency claims I owe the {$760.00} for a minor scratch ( not dent ) on a bumper. They sent a letter asking for money and stating, " Proof of damages will be provided upon request. '' When I wrote to them asking for them to provide proof of damages, they did not respond. Two years later, I get a letter and a phone call from Wilber & Associates, XXXX, Attorneys at Law. Again, I asked for proof of damage ( I have a photo that shows the bumper scratch ). W & A told me to pay or they would keep on contacting me.