My husband went to post a letter 3 doors down from my house. On his way back, he was hit by a car which had mounted the pavement and picked him up onto the bonnet of his car and proceeded to propel my husband onto our car, which was parked on our driveway. My husband is lucky to be alive. He is suffering from a broken leg, numerous head injuries, chest injuries, a lost tooth and countless body lascerations. My car has a damaged right wing, the boot lid is beyond repair and a smashed rear windscreen. The driver has admitted full blame and given a signed statement to the police making admissions that he fell asleep at the wheel as he had just finished a night shift.

I spoke to Sainsburys, our car insurer, on the morning of the 3rd June telling about the ordeal. Sainsburys informed me that as my husband was a pedestrian who caused the damage we might not be entitled to claim for damages. I thought that my car only had a broken windscreen, so was told it would cost me £70 to replace as I didn't know the full extent of the damage until I recovered the car from police compound, to find the full extent of the damage. Once I informed Sainsburys of this they said that they would have the car picked up and taken to a repair garage which they have, and that I would be given a courtesy of equal or better standard than my current vehichle. Sometime later, I spoke to the company who are supplying the vehicle, only to be told by them that I cannot have a courtesy car, as they will be unable to recover the cost of this. I have fully comprehensive insurance with Sainsburys, of which includes an allowance for a courtesy car. I explained that I would need a bigger vehicle, as my husband will be temperarily disabled with his broken leg and a small car would be inaccessible and inpractical. I do not understand this. The man has admitted liability and has comprehensive insurance cover. The whole ordeal was traumatic enough, without being told that I would be without a car, which I would so desperately need at the moment to help care for my husband in hospital. As a result of this I am having to use London transport services, which I quite frankly find, unacceptable.

Finances are tight at the moment, with my husband being unable to work and I have found Sainsburys Insurance as completely unsympathetic and reluctant to help. I was told by one representative that if I wanted a larger vehicle, I could, but I would have to hire one at my own expense. I have legal cover included in my insurance premium and all damages could be recovered as the other driver has admitted liability for the incident.