Even if the accident is not your fault, the law requires you to prove every aspect of the claim. This means providing receipts/statements for the purchase of the damaged items where at all possible and/or photographs of the damage to the items – do not dispose of them until the claim is finalised.
Payments are not made on a 'new for old' basis so the Court can deduct up to 33% for wear and tear. http://www.comercrawley.co.uk/think-bike.php#how_can_I_claim_for_my_damaged_clothing
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