people...claims

[DervVW]

So does anyone know if there was a bump between two cars, one that caused the bump is undamaged, but the other is, if an insurance claim is made does an excess have to be paid?

As far as I can tell most policies refer to your car but not so much the claim?

[KTF]

If person A claims against person B then person Bs insurance pays the bill including the excess.

Person A is not out of pocket for something that isnt their fault.

[rigga]

KTF said:

Person A is not out of pocket for something that isnt their fault.

Until insurance renewal time .....

[stug45]

Excess is paid only if claiming on your policy for your damage.

If someone else is claiming on your policy but you have no damage you want to repair (or no damage) you don't pay your excess.

You can claim on your own policy if its not your fault (pay your excess) and your insurer can claim back their costs and your excess from the other side (this would affect your policy until settled)

If you have legal expenses and its not your fault they should process the claim with no excess and get their costs from the other side.

If in doubt about your policy ask your broker or insurer.