Had accident and not in fault, should i still hav to pay excess?

notamused

In any accident not your fault you will lose your no claims bonus and have to pay the access. However once you insurance company regain the costs from the third party insurers you access and no claims will be reinstated. In the case you describe where by the owner of the other car states he was not driving, simply go to the small claims court and take out a summons for damages against the other car owner because being his car he is responsible for it. Filling in these county court forms is pretty straight forward and you need to make a list of expenses, I would list; 1/ total cost of repairs, 2 court fee,( this depends on how much the claim is for) 3/ Solicitor fees, 4/ one day loss of wages for court attendance, 5/ hire fees for renting a car while repairs are carried out, 6/ Return of access. 7/ claim for losing no claims bonus, ps what you should do in this case is go to you insurer and ask for proof of what this sum would be to get you back to you initial level, eg you could be paying Â£300.00 more this year, Â£200.00 next year, and Â£100.00 the year after, in that case my figure would be for Â£600.00 Just remember that anyone having a court injunction against them will lose all their credit ratings so they will avoid the case if they have any sense.

prince_henry

yes in short they are.
tell them you was not at fault and they should seek there costs from the other drivers insurance.
this is now a problem with firms that offer low cost insurance. they will not take the other drivers insurance to court to argue who's fault it is, its essayer for them to just make u pay up, tell them no

I <3 my Suby.

If it is agreed between both your insurance companies that you were not at fault then there is no reason you should have to pay a penny. These things can be scary and confusing and that is why no matter how minor I always wait for an officer to check things out and make an official report on who's at fault. That way there are no questions later.

jm52525

you shouldnt. there insurance should pay everything. excess is only if you make a claim that was your fault

WelshLad

hen I had an accident (not my fault) I paid the excess then I had it back from the other driver's insurance.

BODGE IT AND SCARPER

This happened to my wife!!!!!

It depends on your ins company and your policy. She got hit from behind at a roundabout and they tried not to pay ANYTHING. But Direct Line eventually managed to put total blame on the other party and their ins co had to pay for everything!

Get straight onto you ins co ASAP and tell THEM to sort it! It's what you have insurance for .

racey-pacey

You have to pay the excess but it will be claimed from the other party's ins.co. You will not lose your NCB as it was not your fault. I was hit from behind (I was on my m/cycle) and took a flying leep over the handlebars. I had over Â£3K worth of damage repaired, got my excess back plus all my bus fares to hospital, pain killers and prescription stuff etc etc.....AND I didn't lose my NCB (on 11 years now)

The original Peter G

The excess is an arrangement between you and your insurers intended to make you think before submitting a tiny claim. The other driver or his insurers are responsible for meeting ALL your costs. Your insurers should chase the other driver for your excess on your behalf. If they don't/won't then you can start a small claims court proceeding against the other driver in person to recover your excess and any other costs you have had. Then think about another insurer or a "Drivers Legal Protection" add-on to your policy

James B

The car's insurance if covered and a person not liested on the car's insurance goes down to the state minimum (California anyway). So driver is still covered, if they had insurance on a different car, that insurance should cover it, if no insurance you can sue them for damages in civil court. If they had NO license, and No insurance then they be screwed, cause again There insurance and civil law suite!!
Either way make them pay!

As far as I am aware you always have to pay the excess regardless of who is at fault if you're having repairs done and you lose your no claims, not fair I know but that's the way it works. All the Insurance company is interested in is the fact you have been in an accident and are therefore considered a higher risk.

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