Do I have to pay my excess in the event of a no-fault accident?

I was hit by a car whose driver did not give way to right on a roundabout. I was told this is a ‘no-fault’ incident but have £150 excess + £150 voluntary excess on a fully comp policy with 19 yrs NCB. Will I have to pay £300 of the repair costs or does the at-fault driver’s insurance cover it?

Asked on 5 November 2019 by Derek Sansom

Answered by Tim Kelly
If claiming through your own insurance, you have to pay the excess initially and then claim this back through your legal expenses/uninsured loss recovery. If the third party admits liability then there should be no reason why your insurer should charge any excess as they will be able to recover it for you. Alternatively, use a claims management company, that way you do not need to pay it.
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