car insurance excess

[debs122]

my car was hit this morning by another driver, he was at fault. I phoned my insurance company and gave them all the details and his details. They booked me in for a quote for repairs and the repair company have told me i have to pay the excess. I was not at fault so I should not have to pay this, is this correct?

[NORMANTHEDOG]

yes,you will have to pay your excess,but if as you say the other driver has admitted liability,then you will get it back from his insurance company,when the claim is all sorted out,if you have legal cover in your policy,they will recover all losses for you.

[mrs_overall]

Yes you will.
I'm not doubting you saying you were not at fault but the insurance company will have to investigate. If the other driver is found to be totally to blame you should be able to claim the excess back from his insurers.

[debs122]

I dont have legal cover, will this cost me more if i try to claim my excess back? Will this be done automatically by my insurance company or will I have to contact the other drivers insurance compay directly if he admits fault?

[mrs_overall]

Your insurance company will sort it all out.

[debs122]

thanks

[Breezy23]

The policy excess is an uninsured loss. Strictly speaking they have no legal liability to recover this on your behalf, hence it is always a good idea to purchase Legal Assistance for this and any other uninsured losses (petrol, additional expenses etc) however most insurance companies will ask for your excess back as well when they recoup their outlay. Should the third party not accept liability or the recovery become protracted, the insurer has no liability to pursue it (or even their outlay) if not financially viable.