car problem

[im going mad]

hi, i asked this in motoring but no one is answering me, my car was damaged due to a car parked beside it catching or being set on fire in the middle of the night, who's insurance company pays for my losses

[DotH]

If it was on a public highway, then if the other car's owner has insurance it should probably pay you. Did the police give you a crime number, because your insurance can sort your car out and then claim off the other insured driver's insurance company i think. May be wrong though.

[Ethel]

You are obliged to notify your insurance company and seeing that you pay them you should let them sort it out. They will get the money from the other side.

[im going mad]

when i reported it the woman in the call centre thought it would be my insurance, she said it wasnt the other cars fault as it was parked up and the owner didnt do anything wrong, im really hoping she's a numpty, i only have 3rd party fire and theft, the other car is fully comp, i want a hire car because why should i have no car, other cars insurers say they wont deal with it until tuesday because of the holiday,

[Ethel]

Even if it is the other car owner's fault you will not be automatically entitled to a hire car. This is what we pay legal expense insurance for, to chase up personal injury compensation and incidental losses.

Let us know how you get on today.

[im going mad]

so far its going badly, the other company is saying they are not liable, my company is now saying they are, as my 3rd party fire and theft doesnt cover damage caused by fire if my car wasnt on fire,(windows melted out, bumper melted, trim melted, wing mirror melted, and heat damage to drivers seat) i dont have the legal cover, the car is/was worth �3000, someone is supposed to phone me tomorrow from car hire company, so at least im getting that. ive been carless for 5 days now, oh and the other cars owners apologised to me and gave me their insurance details,

[Ethel]

Oh dear. Well I hope it all gets sorted for you. Who is providing the hire car?