Do I need to pay her excess? Car Claim Help

Keith

Quick question,

Reversed into another car, completely my fault, I don't want the damage to ours repaired but the other lady wants her fixed.

Fine, she doesn't want to be without the car for a day so she wants to go through insurance so she gets a courtesy car.

If she does do I need to pay an Excess? I've no intention of claiming on my policy but she does. So does she pay the first £100 of her claim, or because my excess is £470 do I pay the first £470 of her claim?

Confused, help please

Astaroth

The excess generally is only payable if you claim for damages to your own vehicle and not if only the third party is claiming against you - though it will still affect your NCD

Some insurers have been talking of charging an excess on TP claims but as far as I am aware no one has yet introduced this.

If you arent wanting to affect your NCD you can always settle with her insurance company directly. You do still have to declare the accident but generally it will have a lesser impact on your premiums and no impact on your NCD

She would however still get a courtesy car from most garages even if it is outside of an insurance claim.

Keith

Astaroth wrote:

If you arent wanting to affect your NCD you can always settle with her insurance company directly. You do still have to declare the accident but generally it will have a lesser impact on your premiums and no impact on your NCD

That sounds like the best plan, as we have an outstanding claim on another policy. I guess they won't use the cheapest garage!

Astaroth

They won use a back street garage but they generally do have a discounted rate agreed with accident repair centres - after all over 1/2 of claims cant be claimed back from anyone so it comes out of the insurers own pockets.

Keith

Thanks, I've spoken to the owner and told them to go to their insurance, then depending on cost we can either pay or let our insurance take care of it.

Thanks for your help, if only our other claim was so easy, 8 months on and we are no nearer settling then when the accident happened!

malky39

from what i gather the other person would pay their xs and should it turn out not to be there fault this would get claimed back through the insurance of who ever was to blame

Astaroth

To be on the safe side, in case things end up having to go through your insurers, dont tell the other insurance company that you admit liability but simply that you are prepared to settle their clients claim in full on a without prejudice basis.

gazza975526570

malky39 wrote:

from what i gather the other person would pay their xs and should it turn out not to be there fault this would get claimed back through the insurance of who ever was to blame

maybe but not necessarily. Some insurance companies when the claim is registered will make a decision as to where liability lies - in this occasion they may decide to waiver the xs for the non fault driver anyhow.