I need help.

[ploppyperson]

If a car hits me, do i pay exess?

[bednobs]

if your car needs fixing, it is likely that you will hve to pay the excess initially, then your insurance co. claims it back from theirs

[terambulan]

If a car hits your car you sue the other driver and inform your insurance company of your action. Your IC will send you a claim form which they take up with the other drivers IC. Your IC will give you the go ahead for repairs.....don't repair till they tell you as Assessors & photos may be required. Hire of replacement car will be advised by your own IC.

Excess will be claimed from other driver, if they are at fault.

[Jugglering]

Hi Ploppyp.... lol brilliant username !

If a car hits you personally, then you'd do better to go to hospital to get yourself checked out for broken bones etc...

However, if you mean, a car hits your car then if the repairs would cost less than the *excess* value then you pay for the repairs... anything over that amount and the insurance company will pay for the whole repair. The big problem is that the repairs quoted to insurance companies by the bigger accident repair companies tend to be seriously inflated amounts and can often be more than the car is worth. In this case, then the insurance company will view the repair as being uneconomical and will write off your car (ie scrap it) and just give you the market value - which might be a lot less than it is really worth to you, especially if you've had the car for a long time and know its history.

[Ethel]

If you make a claim on your insurance, you always pay the excess - if your excess if �250 and the repairs are �500, you pay �250.

You should get this back from the other side though, if they are to blame.

[chas2008]

Amazes me how many drivers agree to excesses but havnt a clue what it means or why its there, no one ever reads there policy. What excess?..is the usual comment when presented with the invoice...

higher the excess lower the premium...we have repaired cars with 3 seperate claims with an excess of �500 x3 = �1,500...customer was not happy, but thats what they agreed to when they took the policy out..

[Ethel]

I have a very high excess. I can afford to 'lose' the money if I do ever have an accident, but prefer lower premiums.

My thinking is I definitely have to have insurance so will try and keep it cheap; I probably won't claim.

I save �500 over three years with a high excess, so it works for me.

[chas2008]

the company i work for has a �25,000 excess...more or less self insured
I have seen a �7,500 excess on a private policy, possible due to endorsements etc. the result of a DIC conviction may be..

[Ethel]

chas - there is no way you can call �25000 self insurance.

One bad accident and the personal injury payout may easily exceed that.