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It's probably an insurance detective and yes, they do this sometimes.
I would call the cops and let them know about the guy. In the post 9-11 world, you can't be too careful. The cops will check him out and at least the guy will get the message that he isn't being too stealthy. What a crackhead.
If they want to play hardball -- then if I were you I would definitely be dealing with one of those "personal injury" lawyers -- just to bilk those guys out of as much moola as possible. Normally I wouldn't suggest this -- but if that's the way they want to play then ...
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Take Care!
Mark
"If I'd known I was going to be a big guitar hero -- I would have practiced more" -- Ace Frehley
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