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Old 17 October 2006, 01:15 PM
  #6  
Izzy
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Join Date: May 2001
Location: From the roads of South East Essex....
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Sorry to hear it, but I echo what Legal Eagle & SteveScooby say.

Your insurers will pay for repairs under your policy terms, but unless you can prove that the Highways Agency &/or the Police received a report of the debris and then failed to act on it in reasonable time you wont have a case for recovery / compensation. Notwithstanding that, they will say you should have avoided the debris because you should have been driving within the limits of your vision to react to it laying there. Sorry.