My daughter started leasing a new car three months ago. It runs on 17-inch alloy wheels and run-flat tyres. Last Monday she was driving home and the car suddenly veered to the left and hit a parked car. There were no potholes in the road and no evidence of any obstructions.

The front nearside wheel was split through the middle and the run-flat was shredded. She is understandably very distressed by the whole episode. I have urged her to speak to insurers to see if they can help or if she has legal insurance. What should we do?