Having crashed in January, Direct Line investors are now waiting for the bill for the repairs to put the car and household insurer back on the road again.
Penny James has already stepped aside as chief executive with a replacement yet to be found but after the grim update from rival Admiral this week candidates might be in short supply.
Admiral essentially repeated what had already been flagged by Direct Line and before that by motor specialist Sabre, namely that costs of repairs have soared as have claims as people have started driving again after Covid.
Weather-related claims have also jumped with Direct Line indicating these will be double previous estimates at £140mln.
The insurer has already said there will be no final dividend due to its balance sheet capital coverage/solvency II ratio dropping to the lower end of its 140-180% target.
And how Direct Line can bolster this depleted capital will be a key focus on Monday (13 March) in the full-year results statement, according to broker Jefferies.
Rebasing the dividend, purchasing additional reinsurance, de-risking the investment portfolio, capital raising, or reducing partnerships exposure are five potential ways the broker suggests it can generate extra cash, although analysts at the US bank believe this will be expensive for the insurer.