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232 posts

Master Geek


#224124 3-Nov-2017 14:53
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Just a question

 

If I am at fault with an accident where I called my insurance to lodge a claim and gave the 3rd party with the case number but the 3rd party hasn't made any claim for the last month is it a possibility to claim your excess back from your insurance?

 

 

 

If the guy never calls to lodge a claim with my insurance am I entitled to ask my insurance for a refund of my excess fee?


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156 posts

Master Geek

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  #1894822 3-Nov-2017 15:01
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I’m a little bit confused as to why you’d call the insurance company and pay them money before anyone made a claim against you?



232 posts

Master Geek


  #1894826 3-Nov-2017 15:08
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rendezvous: I’m a little bit confused as to why you’d call the insurance company and pay them money before anyone made a claim against you?

 

 

 

I thought I had to make a claim first and then give the case number for him to call his insurance or for his insurance to call my insurance.?


 
 
 
 


4454 posts

Uber Geek


  #1894847 3-Nov-2017 16:07
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What Damage did you claim on?- you only pay an excess if the total claim is higher

 

When you lodge a claim you claim for damage to you, 

 

You can't make a claim for damage to others until they tell you what the damage is

 

 

 

 




232 posts

Master Geek


  #1894879 3-Nov-2017 16:53
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wellygary:

 

What Damage did you claim on?- you only pay an excess if the total claim is higher

 

When you lodge a claim you claim for damage to you, 

 

You can't make a claim for damage to others until they tell you what the damage is

 

 

 

 

 

 

 

 

3rd party insurance - I paid an excess of $300 and given him the case number for my insurance.

 

The damages was by myself.

 

The back of his car was dented when I hit him from behind.


3270 posts

Uber Geek


  #1894914 3-Nov-2017 19:16
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It’s up to the other person if they want to claim or not. I am confused as to why you would pay an excess when the cost of the damage caused to their car has not been assessed yet. I suspect more to this story. Doesn’t sound quite right to me.




Always be yourself, unless you can be Batman, then always be the Batman



887 posts

Ultimate Geek

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  #1894964 3-Nov-2017 20:40
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Salami

 

If the guy never calls to lodge a claim with my insurance am I entitled to ask my insurance for a refund of my excess fee?

 

 

Who did you pay the excess to? I'd be surprised if the insurance company would request payment for the excess before receiving a claim. Ring them, I'm sure that they would refund your money if the other party has not made a claim.








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