Excess 250.00

[diane82]

hi,
i was hit the other day whilst my car was stationary, i claimed of te insurance as the accident was not my fault at all and had damage to the car....my insurance are tellin me that i have to pay excess of 250 on completion of repairs and then they wil claim for it from the other insurer. no my argument is i was no way no how at fault the guy decided to not pay attention and hit me from behind in speed so why do i have to pay the excess should he not pay for it.

could somebody please explain this to me.

thank you

[New Judge]

The excess on your policy (under the �accidental damage� to your own vehicle section) means that for any such claim you are liable for the excess. The issue of whose fault the accident was does not arise. You would be similarly liable if your car was stolen.

This is an �uninsured loss� and you must claim it from the Third Party who you say caused the damage. It seems from what you say that your insurer is offering to do this for you, but if they are unsuccessful you will bear the loss.

[diane82]

thank you

[chrispybacon]

Agreeing with the last answer you must remember to read the cover details in your policy - and ask if you do not understand them fully (which few of us, if any, do.)
Better still use a reliable broker to help get the cover you need - it may cost a little more but also may save lots in the event of a claim.
Best of luck!

[Jugglering]

Just a little note here... *excess* means the amount that you are prepared to pay for before claiming on the insurance. So if the excess is �200, then the insurance company will not pay out for any claims under �200. This effectively means that you get lower premiums because you won't bother the insurance company for small claims (in this example, under �200). The only drawback is that if your car is damaged and you do claim under the insurance to get it repaired it has to go through the proper *mainstream* repairers who charge a heck of a lot more than Joe Bloggs down the road.. and sometimes you will find that the (inflated) repairs to the car will cost more than the car is actually worth, so it becomes a *write off* - the insurance company will then give you what they think the car is worth which may well be a lot less than you are expecting.

[R1Geezer]

Can you just claify that you are claiming from your own insurance. Presumably the ither driver was not insured or you did not get any details.

[munchie63]

as per the other answers, you'll have to pay.

this happened to me twice in 2000/2001

I was out of pocket �400, and my insurance was increased too.
after 9 months of letters, threats of court action, etc, I did get both lots of �200 excess back, and a refund on my premium.

[Misty77]

I had a guy drive into the back of me 2 years ago when I was insured with prudential. I had a �250 excess, but the guy admitted responsibility immediately and Prudential never took the �250 off me. Maybe I was just lucky, I don't know.