Vehicle Impact damage - Uninsured losses

superkat1111

During the snow a week ago a car slid off the road and into the side of my house causing significant, but not structural, damage. Nobody was hurt. I was advised by the police to contact my home insurance which I did. I understand they will repair the damage and then recover costs from the other insurer. However, they have stated they will only recover costs that are covered by my policy but what about the other costs, how do I recover them. Damage to garden, additional heating due to hole in wall, lost income due to missing work, etc? 
I have legal cover, should I get a solicitor to sort this out? 
Thanks

tripled

Make sure you retain evidence of any justifiable expenses.

Presumably you have the other driver's insurance details? It's worth contacting their insurer, I've done this previously after an accident (3rd party reversed into my parked car, so clear cut liability) and found the third party insurer very helpful, no need to involve my own insurance other than to notify them of the incident.

However, if their insurer isn't helpful, then you will need to pursue the driver and that would be the time to seek advice from your legal cover.

Sandtree

Do you have legal expenses attached to your home insurance? If you do they may be willing to assist you though you may come unstuck by an exclusion for RTCs though thats intended to cover claims involving your car to ensure Home LE cover doesnt overlap with Motor LE cover. Speak to them, if you have cover they will instruct a panel solicitor.

Alternatively you can deal with the matter yourself, generally it is not difficult to do. You should have or be able to get the third party insurer's details. You would then write to them stating how much you are claiming/for what, ideally how you have worked the amount out and then provide your documentary evidence to support your claim (payslips, utility bills etc). Always send copies of documents, never originals as paperwork can occasionally get lost!