A driver had a heart attack and wrote off my parked car – but I’m having to pay

I was nowhere near the car when the accident happened, but have lost my no-claims bonus and £750 excessMy parked car was one of several hit by a driver who lost control after having a heart attack. By the time the police arrived my wrecked vehicle had been taken away on a trailer – at least two other cars were badly damaged, but mine was a write-off.I assumed the driver’s insurance would pay for the damage, but this has not been the case. I initially contacted my insurer, Admir