Someone crashed into my parked car on Monday who pays the excess?

Question

Someone crashed into my car on Monday when it was parked and i was at work, the person that crashed into it was doing some building work at my office and came and told me. I hcalled my insurance company and they contacted his and got my car in for repair. My insurance policy said i have to pay the excess of £400! so now i am out of pocket by £400 when the accident wasnt my fault i wasn't even in the car it was parked. So how do i claim my £400 back? Do i go direct to their insurance company to claim it back. I shouldn't be out of pocket for something that wasnt my fault.

Thanks

Answer 1

I had the same issue happen when I was shopping only unfortunately for me they didn't leave their insurance information.  yes, call their insurance company and explain the situation.  They will issue you a check made payable for the amount you paid out of pocket.

Answer 2

You pay your excess since you are going through your own collision coverage.  They will in turn subrogate for what they paid you and your excess.  The recovery could take a few months.

If you do not want to pay anything up front, file a claim against the other party's property damage coverage.

Answer 3

Your Insurance Company should sort it out with the Insurance Company of the person who crashed into you!