Not motor related, but I had a council mowing machine knock down my garden wall last year.
I found it very difficult to find the relevant council department and then deal with them (almost as if deliberate obstructions were put in the way).
I eventually got a contact with the insurer. They never answered their 'phones, or returned calls to messages left on answering machines. emails also went unanswered.
In desperation, I contacted my own insurer, who agreed to deal with the claim. I had to pay the excess (which the council insurer, finally re-imbursed).
This was all while the house was up for sale! I don't know how many prospective buyers were put off by the property looking unloved, but I did hear of one prospective purchaser who drove by and said 'I didn't like the look of the area'.
The property was sold and the insurance premium on my new place was increased because I had a claim, wiping out my previous 9+ years of no claims record.
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