Guy pulls onto my drive to turn around and manages to 'clip' my low front wall which in turn results in the whole wall falling over. To be fair he knocks on the door and reports it to us. He says he has a mate who can rebuild the wall. I say that's ok BUT we MAY not go with his mates quote and get our own quotes for the work. We contact his mother ( it's her van and policy) and she says that there's not much damage to the van so the wall must have been defective in some way (There was nothing wrong with the wall ). The only damage I noticed to the van was a hole above the wheel arch which I suspect as he reversed caught the cap on the end of the wall and pulled the whole thing over. We have now received a letter saying that because we have rejected there mates option they are only willing to pay for the excess and to claim through our insurance. They reckon that they are only liable to put back to wall to its original state. This is impossible because the whole wall was destroyed Is this right?