insurance

Had accident in my car yesterday. Got fully comp insurance. Accident was my fualt. Insurance Excess is £400. Will i have to pay this to get the other persons car fixed?!

hi

The excess will only apply to damage to your own vehicle - not the claim by the third party. So the correct answer is "No" - your insurer will deal with the claim from the Third Party in full. You must notify the insurer as soon as possible and pass to the insurer any correpondence you receive.

If you've suffered damage to your own car and want the insurer to pay for repairs then the excess of £400 will be deducted from that part of the claim.

The ABI web site has some useful information on claims processes here: http://www.abi.org.uk/Display/default.asp?Menu_ID=1140&Menu_All=1,946,1140&Child_ID=415#UsefuIinfo

Hi i work for an insurance company and I hope some of this info helps you.

first things first never admit that it was your fault! not at the scene or to your insurance company. Thats for the two insurance companies to argue over. You just give them the details of the accident and they'll deal with it.

Your excess is payable in both non fault and fault claims. S yes you would be asked to pay it. In non fault cases the insurance company will give it you back as they will claim it from the other side.

Hope this helps

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