Help, I'm having a battle with my insurers. Basically, a huge flash of lightning occured outside and a black vertical band appeared on my screen. I have been told on here when it originally happened that the most likely fault is a blown panel driver. What exactly is a panel driver? Is it an amp of some sort, and will it be voltage sensitive? I suspect my insurer has a report saying my TV needs a new PDP, without going into detail about the fault. They are claiming the failure is "normal wear and tear" on a 14 month old set. What annoys me is I saw it fail at exactly the same time as the lightning flashed. The best description I have heard so far of what probably happened is: "So it was effectively connected to two incoming cables - the cable TV signal cable and the mains? That is an ideal setup for zapping things with lightning. The lightning strike sets up a potential gradient in the ground, and the two cables sample the potential gradient at widely differing points and apply it directly to your delicate kit. "Directly" has a slightly different meaning where lightning is concerned, too - the huge voltages and very short rise times effectively mean there's no such thing as insulation." I could really do with some help putting my case together here. Any background on the technicalities would be appreciated. I am certain the lightning caused the failure, but obviously I need to provide a concrete technical case for my insurers. Thanks for any help you can offer.