I work in insurance, and given the pathetically low levels of blame motorists routinely will accept, and having to dish out hard truths to them every day, I am disappointed to see you reflect a frankly growing problem.
These days, people will argue anything, and claim for anything.
How was the skip at fault in your view? What did it do so wrong whilst you operated your 3/4 ton of motor vehicle, which can so easilly kill and maim, carelessly, and without any regards for your surroundings. Is a skip, on the side of roads, so unusual that it was not forseeable?
No sympathy from me, but I have had a very bad day at work, including a call from a motorist who has run over a child on a bike, asking why we’re not going to chase the badly injured childs parents for his excess. And I get this crap most days, whereas at least a decade ago, people were less self-centric.