Minor Car Accident, will we have to pay excess?

Sarahjovi

Hi,

Hubby has just reversed into another car in our car park adjacent to our house. The other car was double parked! However hubby hit it so he is to blame! There is damage to the cars, the other one has scratches and the bumper has popped out at the seam, so may just need popping back in. It turns out the car is a hire car. I have given our insurance details to the driver and taken photos of the damage and have details of the hire company.

If they do claim against our insurance, will we have to pay the excess which is £200 or is that only if we claim for the damage to our car.

Thanks for any advice

Sarah:D

417Smith

If you are to blame then your insurance company will pay for the damage to the 3rd party, this means your premium will go up next year but you won't have to pay an excess unless you are repairing your own car.

If in doubt call your insurance company, if you have Legal Expenses Insurance, give them a call to see where you stand.

Sarahjovi

Many thanks, I wonder what stance the car hire co will take as the driver mentioned something about £500 payable by him if the car is damaged!

Cheers

Sarah

Quentin

It won't make any difference to you.

If the injured party has to pay an excess, then he will claim it from you (either directly - if so, pass the letter straight on to your insurers without replying, or indirectly by writing to your insurers)

Either way it will be covered and paid for by your insurers.