I engaged a private driving instructor for lessons. I am on learner's permit. I paid the amount for 5 lessons upfront. Instructor was unprofessional always cancelling or delaying the lessons. During one of the lessons car hit the curb slightly, as a instructor he had the complete control of the car too while I was driving. He said that car is insured and it is a work car. Few weeks forward, he again missed the lesson and after frustration I asked for refund of my pending lessons. Now today (16/05) he texted me saying that car damage was higher and I need to pay the difference for insurance. I need to understand if he has any case?