Pitch Engine

Do I need to pay an excess for a not at fault accident

  • Written by Digital 360

If youre not at fault for causing a car accident, there are a number of factors that affect whether or not you need to pay an excess. Depending on a number of

circumstances around your policy, your insurer will determine if you need to pay an excess once fault has been determined.

What is an excess?

An excess is the amount of money you pay when you make an insurance claim. In most circumstances, your insurer will pay the remaining cost of the repairs.

For example, if youre involved in a collision and repairs will cost $10,000, and your excess is $1000, you will need to pay just $1000. Your insurer will likely pay the rest, depending on number of factors.

How fault is determined after a car accident

When neither driver has admitted fault for an accident, and even when they have,

insurers rely on objective evidence to determine fault. This evidence includes and is not limited to:

  • Independent witness accounts

  • Photos

  • Dashcam footage

  • Physical proof

  • Police reports

  • Circumstances according to road rules

In some common accident circumstances, there is usually a default for who is at fault. For example, in a rear-end collision, the person behind you is almost always at fault. This is because even if you braked quickly, wen correct spacing and distance is observed, the person behind you should be able to stop in time. Despite this

thinking, even this rule does not always apply. Insurers will use the tools an evidence listed above to determine fault even in common circumstances.

Paying excess when an accident is not your fault

While it may seem unfair to pay your excess when an accident isnt your fault, many insurers have a blanket policy that excess must be paid whenever a claim is made. This is not a steadfast rule though, and you will find relevant details about your

particular excess payment in the fine print within your insurance policy. If in doubt, contact your insurer as each policy within a company is different.

In general, you will likely need to pay your excess even when youre not at fault when:

  • There is a dispute about who is at fault, or both you and the other driver are found to be at fault.

  • The other driver has no insurance and cant pay for the damage to your vehicle.

  • You werent able to record the details of the at-fault driver

- The insurance companies decide you are partially at fault for the accident.

Circumstances when you may not need to pay an excess

In some cases, you may not need to pay an excess. These circumstances usually revolve around your insurer and details of the accident.

  • If your insurer agrees youre not at fault in any way

  • You can provide details of the person who was at fault, and

  • Your insurer confirms they can revery money from the at-fault party

you may not have to pay the excess. In some situations, an insurer may say you dont need to pay the excess even when all three of the circumstances above arent met.

What to do to help minimize your chances of paying an excess after a not-at-fault accident

  • Always try to stay calm after an accident to avoid apologizing or admitting guilt. This can be used as evidence of your liability, even if the accident was not your fault.

  • Always get the name, address, insurance and registration details from the other driver. Try to get as many details as possible.

  • If there are witnesses nearby, ask them to make a statement about what they saw and record it.

  • Take photos of the damage at the scene.

After fault is determined and your insurance company decides if you need to pay the excess, seeing a high quality collision repair specialist is recommended. Rather than trying to fix things yourself, or wasting time scouring the internet, choose a reputable, reliable brand. They will ensure your repairs are not only high quality, but they will help get you back on the road sooner.

More Articles ...

  1. How to Declutter for a Lighter, Faster and Cheaper Move
  2. The psychology of false mindset in trading industry
  3. How a Property Lawyer Can Help You
  4. Is It Possible to remove Negative Content from Google?
  5. Key Advice For SEO Beginners
  6. Your Guide for Video Slots & Casinos Online
  7. Food energy
  8. How to make Mother happy
  9. How Shipping Containers Are Changing Business
  10. Why Should You Trade Contracts for Difference (CFDs)?
  11. Methods for Marketing Your Auto Dealership
  12. What’s the Best CFD Trading Strategy for Beginners?
  13. Important Content Development Tips For Small Businesses
  14. What custom fees do I need to know about when moving internationally
  15. Best Australian Websites Hosting Real Money Slot Machines
  16. Pros and Cons of Online Trading
  17. Tips for Making Your Blog Business Popular In 2019
  18. 5 Things You Shouldn’t Do in Lake Tekapo
  19. Comparing Caravans Before Purchasing: Things To Know
  20. Should You Rent Out Your Campervan?
  21. Common Maintenance Issues For Campervan Owners
  22. Advantages of Buying A Caravan
  23. 3 Things You MUST Think About Before Trading Forex Live
  24. Bungee Jumping New Zealand: First Timer’s Guide
  25. Compactus in the New Age: How Our Downsizing is Increasing Demand for Self-Storage
  26. Luxury Locations - Put Your Business On The Map With A Virtual Office
  27. Owning A Motorhome: Safety Tips
  28. The Economic-Savvy Approach to Buying a Motorhome
  29. Business Brokers and What They Bring To The Table
  30. The importance of a positive work culture
  31. Exploring Clarence Valley
  32. The benefits of salary sacrificing your car
  33. Cooking in Your Brand-New Caravan: Safety Tips
  34. Forex strategies and their uses
  35. 5 Principles to Guide You When Building Your Business Brand
  36. Things that you should about forex trading platform
  37. Could the Equifax Breach Have Been Prevented?
  38. Latest digital video streaming technology
  39. Motorhome Terminologies for the First Time Buyer
  40. Take all the help you can get in trading
  41. Australia Is a Terrific Value Destination
  42. A Solution for the Trucking Industry
  43. Difference between day trading and swing strategy
  44. How Much Does It Cost to Buy a Good Model Essay?
  45. Save Cash Roadtripping In Auckland
  46. Use the market volatility in your favor
  47. 4 Advantages of Buying a Used Motorhome
  48. Queenstown's Quirkiest Road Trip Destinations
  49. RVs, Caravans & Campervans: The Differences
  50. Free websites builders market and highlights that you need to know
  51. Exploring New Zealand on a Budget
  52. Online Gaming Trends For 2017
  53. Crowdfunding and its Economic Benefits
  54. San Francisco Dazzles and Delights: Holiday Lights, Sights and Decorations
  55. How to improve your salary by getting more qualifications
  56. Binary options: Future-proof recipe for a fat wallet?
  57. Renting a Vehicle for Your Holiday Can Make It More Fun and Unique
  58. Connecting Clients and Providers in the Beauty and Wellness Category
  59. Termite control Perth to obliterate termites naturally from your business zone
  60. Pokies and More with Casino Apps Galore
  61. Ska Brewing’s Hop Ivy is Now Available in Cans
  62. Aris Hursey announces mixtape “I’m Sorry I Should’ve Been Put This Out”
  63. Penn Mutual Collegiate Rugby Championship Rhino Rugby Partner with ATAVUS Football for Free Clinics for Coaches Student Athletes on the ATAVUS Tackling System Powered by Rhino
  64. Grundéns Expands Marketing Team with Ozzy Delgado
  65. Mitchell Prime Properties Founder and CEO John-Mark M. Mitchell featured on Bravo as Guest on Hollywood Live
  66. Asia and North Africa Critical Care Equipment Market worth 2.61 Billion USD by 2021
  67. Particle Size Analysis Market by (Laser Diffraction, DLS, Imaging) 2016 to 2020
  68. Mattsson Group President Sussi Mattsson featured on A E as Guest on Hollywood Live
  69. Downtown Smooth Esthetics in Knoxville is An Exclusive Center of Excellence for the OxyGeneO™ 3-in-1 Super Facial Treatment from DermaMed Solutions, the Most Advanced Facial Technology in the Market
  70. Steve Renner Featured on NBC as Guest on The Brian Tracy Show
  71. Michele Nami-Von Hoven Signs Publishing Deal With CelebrityPress To Co-Author New Book
  72. Balega Presents Retailer Design Contest
  73. Wearable Fitness Technology Market is expected to reach 12.44 Billion USD by 2022
  74. Service Laboratory Market is expected to reach 5.45 Billion USD by 2020
  75. Alarm Monitoring Market is expected to reach 54.46 Billion USD by 2020
  76. Castle’s Diane Wilmot Named one of 100 Outstanding Women of Broward County - The Eighth Annual Event will be held on May 12, 2016 at the Signature Grand in Davie, FL.
  77. Security Cameras Market (IR Illuminator) is expected to reach 2.68 Billion USD by 2020
  78. United States 2021 Interventional Cardiology Market Pipeline Products
  79. The Smart Water Metering Market worth $5.51 Billion USD by 2021
  80. Wind River Country Summer Vacation Deals - Mix and match our adventures for your dream vacation
  81. Medical Lifting Sling Market Worth USD 706.0 Million by 2020
  82. American Sentinel University Celebrates Nursing Students’ Accomplishments with #NotANumber Video for Nurses Week 2016
  83. The 6,500+ mile journey to commencement
  84. American Sentinel University Nurses Week Daily 10 Profiles Top 10 Responses to Use When a Nurse Co-worker Gets Nasty
  85. Eden Specialty Ciders ready to grow with working capital from the Flexible Capital Fund
  86. Jax Fish House debuts patio with Canned Beer and Crab Boil on May 17
  87. Current and past CUW profs to host fourth annual creation conference
  88. MEDIA ADVISORY: Men’s Rugby 7s Squads from Army and Navy to Meet in Exhibition Demonstration at Battleship New Jersey, Tuesday, May 17 in Advance of 2016 Penn Mutual Collegiate Rugby Championship
  89. POC Bolsters Triathlon Roster, Signs Lagerstrom, Tisseyre
  90. Partnership Grants $532,000 for More Equitable Bike Share
  92. Re/Max Titanium CEO Rudy Lira Kusuma Featured on NBC as Guest on The Brian Tracy Show
  93. Sean Tepper Featured on NBC as Guest on The Brian Tracy Show
  94. Germany 2021 Cardiovascular Surgery Devices Market Analysis
  95. Spain 2021 Cardiac Assist Devices Market Forecast
  96. Global Paclitaxe Market Growth, Demand and Forecasts Report 2016-2021
  97. Overview Of Global Empty Capsules Market
  98. Polygiene Announces Three New Partners and Products for Spring
  99. Orange County’s Southland Ballet Academy students sweep Youth America Grand Prix finals in New York City
  100. Thermacell Joins Forces with ScoutLook on New Mosquito Alert App