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car insurance excess

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Hi, Basically I was in an car accident that was not my fault and the other driver has accepted liability. My car insurance company have said for repair I have two options go to their specialist ga… Read More
carpetburger Avatar
8m, 3d agoPosted 8 months, 3 days ago
Hi,

Basically I was in an car accident that was not my fault and the other driver has accepted liability. My car insurance company have said for repair I have two options go to their specialist garage or go to my local garage. I want to go to my local garage however they have said I would have to pay the insurance excess? is that normal? I didn't think that was right asking me to pay the excess when the accident was not my fault. I have never been in an accident so not familiar with the situation. Thanks in advance
carpetburger Avatar
8m, 3d agoPosted 8 months, 3 days ago
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Responses/page:
#1
They will reimburse your excess
#2
No matter who's at fault, if you are claiming your own insurance, you have to pay the excess stated on your insurance policy. Everything else, except your excess, will be paid for by the other party (if they admit it was their fault).
You will need to claim it back after its settled

Edited By: ronzza on Nov 22, 2016 22:38
#3
they've said they wouldn't if I use my local garage I would have to pay it myself and would not recover from other side, are they just trying it on?
#4
from what I know ,they ask you to pay the excess upfront , and then they will claim the total cost back from the person at fault / his insurance company . you should get your money back when they pay out
#5
The excess is your contribution towards the claim regardless if your at fault or not

As you were non fault with an admission of liability from the 3rd party insurance company your own insurance company would offer to waive your X/s if you use their approved repairer, it's basically them offering you an incentive so they can get you into their own repairer( they would have agreed preferential repair rates with them, much cheaper than using a garage of your own choice )

If you have motor legal protection on your policy your insurance company will claim your X/s back from the 3rd party insurance company as this is an uninsured loss
#6
If you don't use their approved repairers, then they will usually impose an additional excess or not cover you on claiming it back.
#7
jimmyandmel
The excess is your contribution towards the claim regardless if your at fault or not

As you were non fault with an admission of liability from the 3rd party insurance company your own insurance company would offer to waive your X/s if you use their approved repairer, it's basically them offering you an incentive so they can get you into their own repairer( they would have agreed preferential repair rates with them, much cheaper than using a garage of your own choice )

If you have motor legal protection on your policy your insurance company will claim your X/s back from the 3rd party insurance company as this is an uninsured loss


yes have legal cover in place, so they will claim back but still charge me?
#8
They will make you pay it initially then claim it back along with the repair costings , once they receive the money from the 3rd party insurance they would then issue a payment to you along with a letter confirming that your claim has been settled as a non fault claim with a full recovery made and your bonus has been allowed

Edited By: jimmyandmel on Nov 22, 2016 22:55: Typo
#9
can't help on excess but if it happens 's to me again I'm going to their approved garage.
just had a wing done, good job but paint not matched. I paid to have the rest resprayed and made a mess of it. spatter, overspray, poor masking. rust coming through!
#10
jimmyandmel
They will make you pay it initially then claim it back along with the repair costings , once they receive the money from the 3rd party insurance they would then issue a payment to you along with a letter confirming that your claim has been settled as a non fault claim with a full recovery made and your bonus has been allowed

Just as Jimmy's comments have all rightfully said. Basically it is known as exercising your right to have your car repaired at your place of choice. This takes cost control away from the companies which off course they are not keen in doing where possible and the waving the carrot of the access is one way to try and discourage yourself.

As an example of this with my car from new I have Alfa Assistance which has a claim handling part, basically if I'm involved in an accident they wish me to go through them and they handle everything for myself. Part of this ensures that my car will go to an Alfa Garage and only Alfa genuine parts used, during the repair I will be guaranteed a rental car of the same spec and model of the car I'm driving. Well dear knows how much all that costs someones insurance company if anything ever was to happen!
#11
Just wondering... Could you get an inspector that would judge the repair cost, claim it from a company and do a the work in a garage that will charge you less?
#12
After such an accident you have a number of ways of getting it sorted, your own insurance, or use your legal expenses insurance to get a full recovery or claim direct from the Third Party insurers.

The quickest is your own insurance however as you say if you don't use their repairers you have to get the excess back yourself or via the Legal Insurers..until you do this will stand as a claim on your own policy and will affect your no claims bonus. It's deemed to be the 'negotiable' bit which proves whose fault the accident was...even if your insurers get all their outlay back from the other side you must get your excess back or you will loose your bonus on a (probably) 2 year step back basis.

If you use your insurers repairers they are doing so on the basis of your description of the accident and will seek to recover their spend from the other side ( unless a similar reciprocal arrangement is in place between the insurers..like the old 'knock fir knock') in which case they will probably leave your bonus alone as they are in control of getting the money back and hence proving fault. Also if you use their repairers you get all the warranties and guarantees if faults develop or it's not a good job...they should provide a courtesy car free of charge ( which they also get the cost of back from the other side).Personally whilst I've seen issues with insurers own repairers they can't afford to loose the Insurance Company repair contract ( they might even be owned by them)...your local repairer may or may not do a good job...if he doesn't your insurers will approach that as you might expect !!!..do you really want that scenario?

Otherwise go straight (or via your legal insurers) to the other side and fight your claim direct telling your own insurers that you are reporting to them for information purposes only.The other sides insurers will usually deal quite quickly to control costs but will still want to nominate their repairer.
#13
If you're with first central they apply an additional excess to use own choice repairer. Regardless of fault. Kick off enough and they'll waive it.

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