This sounds like one of the companies that buys details of accidents people have and then tries to get them to claim and take a cut. I had a minor bump in my car, hit by another driver. Went through our insurance companies and settled. Just under 3 years later got a phone call, like yourselves, that there was money waiting for me. Just had to say I had whiplash, bruising etc (I wasn't injured at all). I said,did they expect me to lie, that it would be fraud and immoral but they still tried to persaude me. I hung up in the end. I hope you can get this sorted out.