If your car has developed a fault, turn to Honest John by emailing honestadvice@telegraph.co.uk

Rough justice

My car has been written off by a third-party collision while parked outside my house. Am I correct in understanding that my insurance should reinstate me financially to where I was immediately before the collision? DR

The driver who crashed into your car is liable to restore you to the position you were in before they did the damage. Their insurer usually interprets this as giving you market value for your car before it was wrecked and county courts have upheld this as a "reasonable" settlement.

Obscured by clouds

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