Non-fault insurance claim
Discussion
I had someone bump into me the other day that caused some (apparently) minor damage to my car, although that is yet to be decided. I promptly called my insurance company Admiral with the details and they confirmed that it was indeed a non-fault accident.
They then proceeded to arrange for me to have the car repaired and referred me to Albany assistance to complete the process and arrange repair through their 'approved repairers' (which was only one!). When I asked if I could take the car to any garage I was told that I may have to pay the excess on the policy if I did.
Given the fact that it was a Non-fault incident, and the 3rd party insurance company is liable for the cost, my question is basically: Is this really the case?! And if so, is it legal?
They then proceeded to arrange for me to have the car repaired and referred me to Albany assistance to complete the process and arrange repair through their 'approved repairers' (which was only one!). When I asked if I could take the car to any garage I was told that I may have to pay the excess on the policy if I did.
Given the fact that it was a Non-fault incident, and the 3rd party insurance company is liable for the cost, my question is basically: Is this really the case?! And if so, is it legal?
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