Car crash left me in a le­gal mud­dle

The Daily Telegraph - Your Money - - FRONT PAGE -

I was in­volved in a car ac­ci­dent many months ago, but was not at fault.

As a re­sult of this I lost £250, which was the ex­cess on my in­sur­ance pol­icy. This was to pay for the cour­tesy car. I am still wait­ing for the re­turn of the £250 from Hast­ings Direct, the provider through which I bought my in­sur­ance.

The ac­ci­dent was caused by some­one who came out of her car, phone in hand, say­ing: “I’m so sorry. I don’t

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