A tractor pulls out, mud splatters your sports car, a stone surrounded by the mud cracks your windscreen. Is the cultivator liable?



Answers:    For the farmer to be liable.

He must owe you a duty of diligence.
He must be in breach of the duty
Loss or bring down must have occur
The loss must be attributable to the breach of duty.
The loss must be reasonably forseeable.

The insurer is taking one of two positions - any that you won't be able to prove that the loss be forseeable, or you won't be bothered to claim for the lb50? lb60 excess.
no, file it next to your insurance as no fault
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