Mobility car crash

[Willyoujustbequiet]

Earlier today I was a passenger in a crash in a mobility car. I don't know if that complicates matters.

The other side was at fault and admitted liability at the scene but we also fortunately have the dash cam. Its cut and dried really. I've never been involved in a crash before so am unfamiliar to the claiming process.. Does anyone know if we still have to pay an excess if they admitted liability?

Is it still classed as a claim on our mobility insurance if they are liable or is it just a claim on their insurance that motability pursues on our behalf?. Its only an out of hours today and they asked us to ring back tomorrow.

Are there any should or shouldn't do in this type of situation? Thank you

You make a claim on your insurance. They should be able to recover everything from the other driver's insurance, in which case you won't pay any excess and you won't lose any no claims discount.

Thank you!

Earlier today I was a passenger

Not quite sure why you feel you need to get involved in the first instance unless you are the policyholder ?

I agree with @ProfessorSlocombe - you were not the driver so it's not your insurance policy. You would need to make a claim against the other if you have suffered any loss or injury. Otherwise it is for the driver to make the claim on their own insurance if they're fully comp.

I agree with @ProfessorSlocombe- you were not the driver so it's not your insurance policy.

I didn't quite say that. It's entirely possible the OP is the Mobility customer (hence insurance policyholder) and the car was being driven by a named driver.

Generally insurance companies are loath to pay out to policyholders. Let alone people sitting next to the policyholder.

Unless there is any suggestion that the drivers actions were liable, which doesn't seem to be the case here.

You don't do anything - motability will do it all

The OP mainly talks about "we" and wants to know if "we" have to pay an excess and if it is a claim on "our" mobility insurance. I'm therefore guessing that OP is the driver's partner.