I hit a car, then another vehicle hit my car afterwards - why am I being charged two excess fees?

I had a collision in the snow on 28 February, which was my fault. While exchanging details with the other party, an out of control tractor drove into the other party’s vehicle, knocking it into mine and causing further damage. Although this was clearly not my fault, my insurer (LV) are charging me two excess fees. Is this right?

Asked on 26 March 2018 by Peter Barnwell

Answered by Tim Kelly
These are two separate claims, so yes. You are claiming through your own insurer, as such you are bound by contract. They should reimburse your excess when they reclaim your losses from the tractor driver. If they do not, you need to use your legal assistance (if you have it) to reclaim back any uninsured loss.
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