quote=BarrySC]It happened as I was passing the grass cutter. Nothing else on the road. No trees overhead. Impact sight about 60 x 30 mm over which the top layer of glass was remover, severe cracking extending from this and glass inside the car.
I don't know if that provides evidence - it seems entirely circumstantial - so do expect to be challenged if you try to go forward.
It is interesting, isn't it, how convinced we can be on the validity of our own claim, bullishly requesting "copies of: Procedures; RAs; Incident investigation report; check-lists; etc. The claims handlers apparently are not in possession of any of these so have come to their “go away” conclusion without reviewing essential information. I also doubt that they are aware of HSE Agriculture Information Sheet No. 25 (Safe use of agricultural mowers) which recognises the danger presented by flying debris and damaged machine parts" etc etc
Contrast this with the many posts here which are at times viciously critical of the temerity of accident 'victims' who dare as employees to claim against the company insurance. He probably have hurt his back at home, or on the golf course, rather than at work, it was a pre-existing injury and not our fault that he aggravated it by working for us, he didn't report it so it didn't happen, he didn't take time off until 5 days later so it's definitely not our fault..... are all common criticisms. They do chime with your own circumstance of claim.
I suppose in every case it comes down to prove it, or at least make such a nuisance that its easier to pay off rather than defend the claim.