2007-10-14 00:26:45 · 10 answers · asked by terry h 1 in Cars & Transportation ➔ Insurance & Registration
Yes you do but your insurer can claim this back for you from the other persons insurance. You must remember to ask them to do this or they might not bother.
2007-10-14 00:30:16 · answer #1 · answered by ANF 7 · 2⤊ 1⤋
You pay your excess when you have a repair completed by your insurer. If the accident is not your fault, some insurers will waive the excess as they know that liability will rest with the other party. This however will usually only be done if the other party insurers are known and they have admitted liability for the incident.
Alternative ways around paying the excess are to get the third party insurers to deal with the repair to your vehicle directly. A lot of insurers will be happy to "capture" your claim so that they can bring costs down. They may also supply you with a courtesy car whilst the repairs are underway.
A further alternative is to use a credit hire / credit repair company like Angel Assistance or Drive Assist.
2007-10-14 04:28:33 · answer #2 · answered by Anonymous · 0⤊ 0⤋
Yes but normally this is just to speed up the repair to your car, once it has been excepted by the other insurance company, your company will claim it back for you. Normally they would say if you want to wait then don't pay the excess, if you want the car repaired quick then pay the excess. But you will get the money back because it is a non fault accident.
2007-10-14 00:44:37 · answer #3 · answered by jane 3 · 0⤊ 0⤋
My daughter was involved in an accident when a car which was parked on the nearside of a street pulled out into the side of her car. Although the driver who caused the accident tried to pull every trick to avoid taking blame I was able to pay him a visit and received his acknowledgement that he was at fault The excess was £500 and I can say that through the persistence of Tesco insurers and myself the excess was repaid by his insurers. Admittedly, I was able to identify witnesses to the accident and took appropriate statements.
2007-10-14 00:46:56 · answer #4 · answered by Anonymous · 0⤊ 0⤋
Yes i was involved in an non fault accident 6 months ago where a guy came onto my side of the road and didnt stop. got after him and he blamed me lol. Still going on, my solicitors are threatening him with court action, should be interesting after all he nearly crashed into my father about 2 months after.
You will get you money back eventually when is the question.
Just get your car repaired pay the excess and let the plonker sweat.
2007-10-14 12:52:40 · answer #5 · answered by dawn n 1 · 1⤊ 0⤋
Yes, usually you have to pay the agreed excess on your claim, I think the wording is 'any accident'. However do not despair; you can claim this amount from from the other parties insurance and usually do, sometimes your own company will make this claim if requested, sometimes its down to you. Your first step is a telephone call to your insurers
2007-10-14 00:40:01 · answer #6 · answered by ERIC S 6 · 0⤊ 0⤋
At first yes but subject to the insurance company and you having a legal cover the Insurance Company will claim it back from the other party's insurance or you make a claim yourself
2007-10-14 05:12:18 · answer #7 · answered by Scouse 7 · 0⤊ 0⤋
No, the person who hit you will have their insurance pay to get your car fixed. The only reason why your insurance company is involved is so they can organise for you.
2007-10-14 00:30:37 · answer #8 · answered by Anonymous · 0⤊ 0⤋
all depend who caused it, if it was the other driver then i dont think u do as it is covered by their insurance
2007-10-14 00:31:24 · answer #9 · answered by Anonymous · 0⤊ 0⤋
you do pay it but can claim it back when getting your claim settled
2007-10-14 00:31:19 · answer #10 · answered by peter h 1 · 0⤊ 0⤋