LOL, that's actually my standard response when I get those cold calls.
"Hello, we are ringing about an accident that you were in recently, that wasn't your fault."
"Nah, sorry, don't know the one you mean. I was in an accident recently, but ...."
"Yes sir, that's the one we are calling you...
Wouldn't bet on it.
They haven't done this in hurry, they've taken their time, during which they would have either:
1. Consulted their own legal team who with full details of the case (which we don't have) have been able to construct a solid Gross Misconduct charge that will not get easily...