Driving to work this morning, and not even got half way I hit a wheel that was laying in the middle of the road doing about 50, it snapped some sort of steering component which veered me across the other side of the road into a dry stone wall. Car seems pretty much ok but some suspension and steering rack damage will be foudn for sure. Bodywork wise the front bumper is knackered and a piece of the wall has put a small dent in the bonnet, I think the wing is pretty much ok though. I paid Elephant extra for a gaurenteed hire car and they say that everyone on there policy gets a courtesy car from the repair shop, what I have paid extra for is a hire car if mine is written off. Having spoken to the body shop it sounds like they are in no rush to sort out my car and may not be able to sort me a car out till next week, I have to drive 20 miles to work on Monday and time off is a defo no no as we are already short staffed and one guy has the week booked off already. Pretty pissed off wiith Elephant right now, oh yeh and I dont have cover to drive any car like I use to have, even though I am fully comp with 3 years no claims. So pretty mucha ***** day for me, lost 3 years no claims and will probably have to pay £225 in excesses to get my car back from the repairer. All because someone had what seems to be a poorly maintained trailer on the road.