Had car accident , not my fault, insurance woman is talking about the excess...

[Flamespar]

£150 excess - I still have to pay if I wasn't at fault?!?!

You don't have details of who was at fault I presume?

Yup - gave them all her details etc

I think that normally you pay the garage the excess, and then later re-claim this from the other person's insurance.

Well in that case surely her insurance will pay all costs then?

Sorry am not an expert in car insurance. But I have had to use my car insurance to pay for a dent I caused and I am certain he didn't have to pay a penny.

I could be wrong but I think that you pay the excess and then it is reclaimed once fault has been proved...

This means you can get your car fixed without waiting for the full process...

Again, I could be wrong, if you are not happy call them back and get them to take you through the process step by step. You are perfectly within your rights to want to understand what is going on here!

Ok - as long as I can claim it back, I have money I can swipe from bumfluff if needs be

Flame- when someone ran into me, I didn't have to pay any excess- the insurance companies just sorted it all out.

Too shakey to go through callin them again atm. But thank you

this happened to me - at the time i was only 19 or 20, and my excess was high £450 i think, anyway, i was in uni and didn't have money like that, so they just said, thats fine, i didn't have to pay it, but they had to wait until the claim was settled before the work could be done - i think it was about 6 weeks - i still drove the car, but had to get in the passenger side and climb over the gearstick

If it's obvious who is at fault, like if the other driver went into the back of you, you won't have to pay the xs. If there is any doubt about it, like if it happened on a roundabout for example, you will have to pay the xs and claim it back from the other driver's insurance.

I had a car accident too, last June. Like you, it wasn't my fault. Initially I had to pay the excess (used my credit card), but my insurance company claimed it back off the other party's insurance and sent me a cheque to reimburse me (eventually).

Flame- this was today? Are you okay?

Red!

Yup, 11.30 EPPM. Shaken, and back/neck hurting - waiting for doc to call me back. Will update postnatal when I can think enough for details

Oh Flame- you should be resting and taking it easy! Can you get someone to do school pick-up for you?
I was really shaken after my crash- and I wasn;t even hurt.

Mum came, took DS to preschool, is bringing both home then doign swimming run

Has blame been formally assigned to the third party?

If so then ask your insurers why you are having to pay the excess? The third party should be doing so (you shouldn't ven need to pay it out in teh first instance.

If blame is still being contested - then - yes you will have to pay it and reclaim it from third party via your insurers in the first instance.

we have had a few no fault insurance claims in the last 10 years - each time we have had to pay first then recliam the excess.

It shouldn't be contested - she pulled out at a junction where she was meant to give way, into my path so I ploughed in the side of her

From what you've said you shouldn't have to pay the xs. Double check with them definitely.

Poor you! This happened to me in September. I had to pay the excess, but it's been reimbursed (finally!) after the other party admitted liability. It's all so stressful and such a faff, particularly when it's not your fault.

I'm off to the external doctor tomorrow for assessment for the whiplash, even though I saw my dr the day of the accident, have been assessed by a physio and have been receiving treatment already. Madness! And I've got to go miles away, even though I'm now a really nervous driver. Am dreading it Tbh, it all happened so long ago, I can't help feeling its a waste of time and money. Ho hum.

Take great care of yourself, rest etc. It's a big shock to the system.

Hi

It certainly sounds from the accident circumstances that there shouldn't be an issue over liability, however, it may take some time for your insurers to get in contact with the other party's insurers or there might be issues with the other party contacting her insurers, there are many wide and varied reasons liability is not sorted out immediately. If liability has not been established and the other side's insurers haven't confirmed liability will not be an issue with your own insurers then you will require to pay the excess. Your insuers will then pursue the other side for costs and when payment is made they will reimburse you. This can take a long time in some instances, anything up to 3 years. 1 year is not unusual. Just don't hold your breath.

Basically if you don't want to pay your excess at all then you have to have insurance cover without any excess.

Sorry.

What whichwayis up said. You're Insurers will pursue the other party's insurers for the excess once liability has been established.

Hope you're all okay.

flame. Hope you're ok.

i'm ok - if I have some feeling I will get the money back at some point, tis all ok.

Your insurers wont pursue your excess for you as its classed as an "uninsured loss". Do you have a legal policy with your insurer - they will do this for you on a non fault claim.

If no legal cover and its just the excess, its fairly easy to do yourself once liability has been admitted.