Insurance query

[searchlight]

My insurer has told me the car is not worth repairing and made me an offer. It seems a fair offer but as I am blameless for the accident is it reasonable for me not to expect my excess be deducted from the settlement?
Thanks

[bednobs]

no, your excess will be deducted, then you claim it back from the other side

[ChuckFickens]

Yes, but then it's reclaimed from the 3rd parties insurance if they were at fault.

[ChuckFickens]

I missed the word "not" in the question... :)

Change my Yes to a no.

[TWR]

Ask can you purchased your car back if it's repairable you will be in pocket.

[R1Geezer]

Why is your insurer even involved?

[chas2008]

as said reclaim from the 3rd party, common practice..

[searchlight]

Thanks for all the replies but for R1Geezer you are supposed to post helpful answers not questions. In your case the answer was about as much use as a primark carrier bag in the rain ! lol

[R1Geezer]

That's is a genuaine query. If you are claiming off somone else insurance then the issue of your excess does not arise. I never even involve my insurer on a no fault claim. It wasn't intended as a barb more a statement of curiosity.

[whiskeryron]

I must agree with R1Geezer, I can't see he was being flippant at all it was a genuine question.Ron.

[searchlight]

Apologies to R1 Geezer, just that this is my 1st ever claim for an accident and was a bit hasty in my answer

[SpikeyBush]

Last year this guy was so busy buying and selling shares on his Blackberry he didn't notice that the lights had changed and I had stopped. Bang! Two grand worth of damage to my car. I claimed off my policy and paid the excess, his insurers reimbursed my insurers and sent me a cheque for my excess after a couple of sternly worded letters mentioning legal action.

[AlBags]

I expect the big ends are going anyway.

Best get rid.