MoNkEy MaGiC
Member
Registered: 12th Apr 03
Location: West - London Drives: Corsa GSi
User status: Offline
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my excess is 600quid
so say i have a accident which is my fault rite! and i Dont want my car repaired by my insurance company(get it done myself privately) will i still have to pay the excess for the persons car i hit to get repaired???
and it is upto me right to wether i want my car repaired or not??
chers guys
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Bart
Member
Registered: 19th Aug 02
Location: Midsomer Norton, Bristol Avon
User status: Offline
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excess:
If you drove up the back of me, and it costs me 1000 to get the repairs done, you cough up £600 and your insurance pays out £400.
Its not a nice thought is it 
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Bart
Member
Registered: 19th Aug 02
Location: Midsomer Norton, Bristol Avon
User status: Offline
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yes it is up to you whether or not u get ur car repaired, but you would still have to pay the excess on the 3rd partys car.
If you went into a lamp post, by law you have to tell your insurance company, although most of us wouldnt and get it repaired ourselves.
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MoNkEy MaGiC
Member
Registered: 12th Apr 03
Location: West - London Drives: Corsa GSi
User status: Offline
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oh right i see. so if its MY fault i HAVE to pay excess!!
what if somone hit me?? will my insurance company be involved much???
or all i do is just notify them about it and the other persons insurance has to sort everything out??
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Makarus
Member
Registered: 25th Jun 02
Location: Nottingham/Derbyshire Boarder.
User status: Offline
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If someone hits into you you may find it easier to pay the excess straight away and get your car back on the road, you will get it back in the end once fault has been established and such like.
But if you smash into someone then you may aswell get your car fixed through insurance anyway.
I had someone smash into me, he thought we would go outside insurance companies so went and got his car fixed himself, I went and got quotes for mine and he wouldnt pay out of his own pocket for the quote I got, he wanted me to go to some shit back street garage, so I said no and went through insurance. Not only did he fork out to get his car fixed but he then had to fork out his excess to get mine fixed loosing his no claims.  serves the little arse hole right.
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Bart
Member
Registered: 19th Aug 02
Location: Midsomer Norton, Bristol Avon
User status: Offline
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if its their fault then ur ok.
You'd get the details of the 3rd party involved, get the insurance/policy no. if they have it, along with their address and phone no.
you ring ur insurance company, explain to them how it happened and pass on the 3rd partys insurance info and your insurance company would sort it out.
and dont forget to put it for that nasty whiplash you got too 
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MoNkEy MaGiC
Member
Registered: 12th Apr 03
Location: West - London Drives: Corsa GSi
User status: Offline
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so if the claim was only say 300quids worth i would pay only 300 rite, upto the maximum of my excess which is 600??
but i guess most claims are quite expensive, costs so much to get what looks so minor repaired!!!
cheers guys
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roy_newell
Member
Registered: 22nd Aug 03
Location: Stafford
User status: Offline
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you don't pay excess if someone drives into you, they pay the excess on their insurance company, and you're insurance company don't pay a penny, it all comes from the other one
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roy_newell
Member
Registered: 22nd Aug 03
Location: Stafford
User status: Offline
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and if the claim was only £300 you would still have to pay £600 excess, its a set amount i'm afraid
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Neshol
Member
Registered: 10th Jul 02
Location: Midlands
User status: Offline
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thats stoopid
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Moony1234
Member
Registered: 25th Apr 02
Location: Belfast Northern Ireland
User status: Offline
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thats why if you do under £600 damage u just pay for it yourself 
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M4tt
Member
Registered: 18th Apr 03
Location: Potters Bar
User status: Offline
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quote:
Originally posted by Moony1234
thats why if you do under £600 damage u just pay for it yourself
yeah....
you not exactly gonna pay 600 quid out if you could get it done yourself for 300 quid.
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Ian
Site Administrator
Registered: 28th Aug 99
Location: Liverpool
User status: Offline
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Roy - I'm not sure that you are correct on that one!
If you have an accident that is not your fault, you will most likely have to pay the excess to the repairer. Your car will be fixed before the claim is settled, and they won't give you it back unless its paid. You then claim that amount back from the person who hit you.
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roy_newell
Member
Registered: 22nd Aug 03
Location: Stafford
User status: Offline
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Ian are you sure cause when my dad had a crash (bear in mind this was a few years ago) I'm sure he didn't have to pay excess, I mean why should you if it isn't your fault
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Bart
Member
Registered: 19th Aug 02
Location: Midsomer Norton, Bristol Avon
User status: Offline
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quote:
Originally posted by Ian
Roy - I'm not sure that you are correct on that one!
If you have an accident that is not your fault, you will most likely have to pay the excess to the repairer. Your car will be fixed before the claim is settled, and they won't give you it back unless its paid. You then claim that amount back from the person who hit you.
yeah im sure thats how it is.
very few insurance companies will pay it them selves and then claim it back.
If its not your fault then you push for a courtesy car.
And because you got whip lash, you need a few days off work.
Then make sure you apply for loss of earnings, and put in for the whip lash.
My girl friend had accidant last year, someone went into the back of her, and naturally she had a few days off work.
she got a extra £1500 for whip lash (which i pursuaded her to put in for), and £200 for loss of earnings.
As far as whip lash is concerned anyway you should always put in for it, it mite not affect you straight away, but later on in life
time to get some of that hard earned money back from the insurance
(it mite put everyone elses insurance up.. but hey!  )
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