Having your car damaged by a bin in high winds is a frightening and frustrating experience. But making a claim against the homeowner will be very difficult if they refuse to pay.

You will need to prove the vehicle damage was caused by the homeowner's negligence. You will also need to prove it was their bin that damaged your vehicle (as they may deny responsibility).

More often than not, these cases are considered an 'act of god' and result in an insurance claim on the car owner's policy. But some people do pursue these matters via the courts; however, this will incur further expense with no guarantee of a positive outcome.