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yes i have standard building and contents insurance.
The grate cover was replaced the next morning as it was dark when it happened. The victims partner and my daughters boyfriend replaced the grate, and at some point the victims partner took pictures which i have not seen. The whole area now has a barrier around it.
The victim called me yesterday to ask if i had insurance, she did say that if i wasn't covered, then she would drop the case. Relations with her are still 'cordial'.
I have no idea if she has provided proof of hospital visits, or wether she has been to hospital, but she did say that she was fine.. just bruised.
many thanks for your reply
I have spoken to my daughters boyfriend, he says the cover was in place earlier that day. It looks like the victim has driven directly over the grate and something underneath the car has caught on the grate and dragged it off. she then parked up with the grate opening directly behind the car, when accessing the car boot, she fell into the opening unto her waist.
I have checked my buildings and contents policy and it does say that i have some sort of liability cover, but not sure if i understand it.
I will pass the details to her solicitors and see what happens.