Sorry to hear that mate although in the Lorry drivers defence it is highly unlikely that he would have seen the wood fall from the trailer. I work in Road Haulage and I see this kind of thing regular - normaly cars getting hit on roundabouts and things. Unless the driver is looking in his mirrors at that moment he would know nothing about it.

However, all Haulage companies are bound by very strict guidlines in how a load should be properly secured. They have a DUTY OF CARE to ensure the load is secure. The penalties for anything falling from a lorry can be quite severe and may harm his/their Operators License.

As for the c/car I would think that they may only provide when your car is away getting repaired. So get it booked in somewhere quick

SMG