Insurance - Excess non fault?

[mudcow007]

A girl in my work was crashed into at a junction. Aswell as her car, another car was involved

The car that did the crashed was a private hire taxi.

Supposedly the taxi driver admitted fault at the scene to the coppers.

Girlie in my work has had to pay her excess to get her car repaired? is this what happens an then it will be refunded when its all sorted out with taximan's insurance - after fault is determined?

She reckons someone rearended her years ago an she had to pay her excess then aswell which wasnt refunded

[Monkeypony]

Excess will be refunded when (if) she is found to be not at fault.

Expect mini cab driver to change his story, and expect a long convoluted process before she sees her excess returned to her!
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Current bike - 2018 H2-SX, 2004 SV1000s, 2016 Aprilia RSV4 RF, 2017 Sherco SERF 300, 2003 Suzuki DRZ400 (stolen - AY53 JUU)

[Polarbear]

[Rogerborg]

No personal injury claim? Then contact the minicab driver's insurers directly and ask them to sort it all out in full, now. If she's very lucky, they might even have heard of him.

A minicab reversed into a biker chum and managed to park itself on top of his front wheel. He got off the bike and it stayed standing upright.

The chap bounced out giving it "You drive into me! You pay!" while babbling in Diversity into his phone, doubtless summoning the bredren for witness / intimidation purposes.

Sadly for him, the whole incident was witnessed by two of Glasgow's finest, who invited him to shut his falafel-hole, and started running his details. Amazingly, he (or someone with the name he was using) and his car (or a car with that registration number) were both legit.

He then admitted guilt to everyone involved, so very sorry, and promised to pay personally, keeping insurance out of it, no need for that, is not problem.

Chum was daft enough to agree. It didn't end well, and still hasn't.

Just my daily dose of positivity and 2nd hand anecdotal racism.
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Biking is 1/20th as dangerous as horse riding.
GONE: HN125-8, LF-250B, GPz 305, GPZ 500S, Burgman 400 // RIDING: F650GS (800 twin), Royal Enfield Bullet Electra 500 AVL, Ninja 250R because racebike

[M.C]

[arry]

It wouldn't be paid to an insurer so it would never be a refund. It's paid to the repairer. The excess is an uninsured loss.

Doesn't mean you can't recover it, but you have to do that yourself or with the amazing legal assistance you're afforded under that lovely bolt on legal expenses cover.

In reality you just need to present a claim for the excess to third party insurer and they'll send you a cheque eventually.

[mudcow007]

Cheers Arry

I will speak to her today.

updates to follow - if any