Do you have to pay excess on a non-fault claim?
Asked by: Dr. Rozella Langosh | Last update: July 18, 2025Score: 4.4/5 (51 votes)
Should I pay excess if not my fault?
You pay the excess in the event of any claim made on your insurance policy regardless of who is to blame. However, if it's proved the accident was the other person's fault and the full cost is recovered from their insurer, you may be able to recover this amount.
Do I have to pay excess if not my fault budget direct?
If you are involved in a no fault car accident and make a claim, then you do not have to pay any excess (provided we decide the other driver was entirely at fault and we can obtain the at fault driver's full name, residential address, and vehicle registration number).
Do I pay excess if not at fault direct line?
If you're in an accident with an uninsured driver that isn't your fault, we'll protect your claims-free years and also cover your excess. Make sure you get the registration number, make and model of the other vehicle, and the other driver's details (if possible) to make a claim.
Do you get money from no-fault insurance?
So let's start with a basic definition: no-fault insurance, sometimes referred to as personal injury protection insurance (PIP), can help cover you and your passengers' medical expenses and loss of income in the event of a covered accident, regardless of who is found at fault.
Do I have to pay excess if not my fault?
Who pays for car damage in no-fault state?
In no-fault states, each party carries insurance that pays for their own injuries, while the at-fault party typically pays for everyone's property damage.
What to do when you're in a car accident and it's not your fault?
- Get out of harm's way.
- Check for injuries.
- Call the police.
- Gather information at the car accident scene.
- Report the crash to your insurance company.
- Understand insurance coverage.
- Get medical treatment.
- Contact a car accident lawyer.
What happens if you can't pay excess?
If you do not have the money available to pay the excess your insurer may refuse your claim or it might deduct the amount from what it pays towards the repairs. For example, if you make a claim for damages worth £2,000 but cannot afford to pay the £250 excess, your insurer will only pay the remaining £1,750.
Do I have to provide my insurance if I'm not at fault?
Yes. Regardless of fault, it is important to call your insurance company and report any accident that involves injuries or property damage. It is a common myth that you needn't contact your insurance company if you aren't at fault.
Who do I pay my excess to?
If you make a claim and your car needs repairing under the terms of your policy, the agreed excess should be paid direct to the approved repair garage.
Do I need to pay excess if I'm not at fault?
Once liability has been determined by the insurer and if you're found to be not at fault, your excess will be waived and your claim will continue as normal. It can be easy to assign blame and assume it's the other driver's responsibility to cover costs, especially if the events around the incident weren't clear-cut.
Is it better to pay excess or not?
If you raise your excess, this will decrease the cost of your premium. On the other hand, reducing your excess will raise the cost of your premium. So, when making this decision, consider what is right for you and your circumstances. You may need to pay a set excess for specific claims, such as an age excess.
Does insurance go up even if it's not your fault?
Some may raise your premiums by 10 percent, while others may charge you only 2 percent more. In addition, certain states, such as California and Oklahoma, don't allow insurance companies to increase rates after a non-fault claim.
What if the claim is less than the excess?
The excess is the amount of money that your insurer will take off the claim. It may not be worth making a claim if the amount you're claiming for is less than this. the small print. Make sure there's nothing in the terms and conditions that prevents you from claiming.
Will insurance pay out if it was my fault?
Who pays for an at-fault accident? If the situation is clear-cut, or one party admits that they caused the accident, the at-fault driver's auto insurance should pay for any property damage and medical bills, and in some cases compensation for other damages, such as pain and suffering.
When someone hits you, do you call your insurance or theirs?
For example, if your car repair damage is $19,000 and the other driver's insurance covers up to $15,000, you still have to pay $4,000 in repair bills. In this case, your car insurance company may cover the costs resulting from this underinsured driver. This is why you should call your insurance if someone hits you.
How does insurance work if it's not your fault?
You will file a claim with your auto insurance for damage to your vehicle, medical bills, property damage, and, potentially, lost wages due to injury. The car insurer collects money from the at-fault driver's coverage. Your claims might be limited by the other driver's coverage limits and the state where you live.
Should I call my insurance if it wasn't my fault progressive?
Start the claims process
Regardless of who's at fault, it's a good idea to inform your car insurance company that an accident occurred.
Do I get my excess back if it's not my fault?
Paying excess for a car accident that isn't your fault
When you pay the excess for a car accident which isn't your fault, you may need to claim this back from the insurance company of the driver who caused the accident once the claim is settled, if you don't have legal expenses cover to pay this for you.
When should I pay excess?
1. The excess amount is the first amount payable by you when your claim is settled or paid out. 2. It serves to motivate you to be more responsible, to take better care of your valuables and to prevent small, petty claims.
Should I file a claim with my insurance if I'm not at fault?
Always File a Claim, Regardless of Who Was At-Fault
One of the primary questions we receive from clients who have been in an accident is whether they should report the accident to their own auto insurance carrier, particularly when the accident was not their fault. And the answer to that question is: always.
What to do if someone claims you hit their car?
- Evaluate the Situation.
- Speak to the Other Party Politely.
- Take Photos and Videos.
- Gather Witnesses.
- Check for Nearby Cameras.
- Report the Incident.
- Explain Your Side Clearly.
- When to Consult an Attorney.
Why do I have to pay deductible when not at fault?
Insurance companies collect deductibles every time they settle a claim, so they don't care who was at fault. You would not be at fault if your car was stolen from a secure facility, but you would still pay a deductible if you filed an insurance claim.
How do I get rid of a not at fault accident?
You don't. Your driving record is a permanent record maintained by the driver's license authorities. That you were involved in an accident - even one that is not your fault - is an objective fact and they are allowed to keep a record of that fact.