Maybe I mix up insurance types here (different naming in Germany - if so, I stand corrected) but I am sure that insurances which cover "out of luck" damage are hard to convince to pay at all (else you could just throw down every of mother in laws presents...)
This is why many/some/... people invent stories about their befriended neighbour accidentally damaging the car with something heavy while avoiding crashing into a suddenly approaching kid on its own bicycle (from the back). Many insurance cases are based on fraud (at least an article of last week wrote that)
Yep, the insurance company said (basically) my Wife could have caused the damage herself (as there were no witnesses or CCTV). And made up a story of a vehicle hitting her while she was shopping in a supermarket...Don't you just love insurance companies?
In Germany you cannot have a "legal" car without insurance ... but with accidents the monthly rates rise ... of course. Thought it is similar in the UK.
I'm not going out today. I'm going to sit in the window, watching the driveway, gently rocking in my chair and shouting random obscenities at passers by. You know, just like a normal day.
Gah, bloody Parcelforce! Checked tracking today, my parcel was still in a depot 30 miles away. "Well that ain't coming today", I thought. Pop out for an hour too get food shopping, came back, card in the letterbox. FFS!
