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Car Hit Us From Behind, Insurance Company Want Us To Pay Excess Fee

By Olivia Terrence. Last updated 25th May 2021. A situation we hear often is ‘a car hit us from behind and my insurance company want us to pay an excess fee – what do we do?’. In this guide, we’ll explain.

What Is Insurance Excess For Car Accident Claims?

An excess on a policy is the fixed amount that you either have to pay out before the insurance kicks in or which is withheld by the insurance company in the event of car accident claims and other insurance payouts.

car accident claims excess fee

Paying an excess fee in car accident claims

If you have an excess of £100 and make a claim for £1,000 of damage compensation, your insurance provider will pay out £900, the principal minus the excess. Even if you are making a claim for an accident that was someone else’s fault you will need to pay this excess initially, such as if a ‘car hit us from behind, the insurance company wants us to pay excess’. You may then be able to reclaim this from the other party.

Compulsory Versus Voluntary Excess

Are you wondering ‘a car hit us from behind and my insurance company want us to pay an excess fee – what do we do’? If so, it will help to understand what compulsory excess is vs voluntary excess.

All insurance policies will have some form of compulsory excess. This is applied no matter the circumstances and will be automatically deducted by the insurer. The amount of compulsory insurance you will be charged will depend on factors such as your age, vehicle and length of time driving. Different drivers fall into different risk categories.

Voluntary excess is a little different to this. In a voluntary excess, you will often set the additional amount which you are willing to pay. The more you increase this, the lower insurance premiums often are. Drivers need to ensure that they are happy with the level of coverage and their combined excess value when taking out a policy. When making a claim you will need to pay the compulsory and voluntary excesses together.

Why Do Insurance Companies Charge An Excess?

If you’re wondering ‘a car hit us from behind and my insurance company want us to pay an excess fee – what do we do?’, you may also be wondering why insurance companies charge such fees.

Put simply, insurance companies will charge an excess fee to deter people from making minor, small or what could be termed as ‘frivolous’ claims. If you have an accident and make a claim for a relatively small amount (something below where typical excesses are levied), the cost of administering the payout could exceed the value of the payout.

When Do You Have To Pay Car Insurance Excess Fees?

Are you wondering ‘a car hit us from behind and my insurance company want us to pay an excess fee – what do we do?’. If so, you will have to pay the compulsory (and any voluntary) excess in the event of making any claim against your insurance policy. That means that even if you have been hit from behind, your insurance company will ask you to make this payment. If the accident is later proven to be the fault of the other party, the full cost of the damages will be recovered from their insurance provider. Your excess payment will then be refunded, meaning you should not be out of pocket.

If you can not afford the excess payment at the time of the claim, the insurer may deduct this amount from the payout you receive. To prevent this, you can take out insurance against your excess. This means that in the event of making a claim, you would also have separate insurance which will cover the costs of your excess(es). You will still need to pay the excess at the time but will be able to recover it after your accident.

Paying Excess Fees For An Accident Which Wasn’t Your Fault

You may need to pay this fee and then later make an insurance claim it back from the other party’s insurance company if you have had an accident that is not your fault. Your insurance company may organise reclaiming this for you.

No Win No Fee Car Accident Claims

Are you wondering ‘a car hit us from behind and my insurance company want us to pay an excess fee – what do we do?’. If so, did you know that making a claim could be done on a No Win No Fee basis?

Whether you are a driver, or a passenger in a car that has been hit from behind, filing a claim can be complicated and sometimes difficult if insurance excesses are involved. If your accident claim includes claims for loss of earnings, time off work, medical costs or having to have paid an insurance excess, it is a good idea to work with a specialist law firm. At Legal Expert, we can work with you to recover the money you are entitled to and help to protect your financial security.

We offer a no win no fee service. This means that you will not have to pay anything towards your legal costs if your case is unsuccessful and you do not receive any compensation for your injuries or other costs. From start to finish, you won’t have to pay anything. Our fee is paid as part of your compensation package by the person you are claiming against. This type of legal service is called a conditional fee agreement and it has helped people across the country to get the compensation they deserve, without having to take any financial risk.

How Legal Expert Can Help

Whether you’re still wondering ‘a car hit us from behind and my insurance company want us to pay an excess fee – what do we do?’ or you’re ready to make a claim, we can help.

At Legal Expert our no win no fee solicitors can work with you, helping you to settle a claim after a car accident. We will also help you to recover expenses such as any excess fees you may already have had to pay. We are ready and able to work with you and can provide all the help and legal advice you need.

Talk to us today and start your claim by calling 0800 073 8804. You can also send us an email or reach out to us using our online chat feature.

‘A car hit us from behind and my insurance company want us to pay an excess fee’ FAQs

What types of excess are there?

The amount of compulsory insurance you will be charged will depend on factors such as your age, vehicle and length of time driving. Different drivers fall into different risk categories.

However, voluntary excess is a little different to this. With voluntary excess, you will often set the additional amount that you are willing to pay yourself. The more you increase this, the lower your premiums often are. You will need to ensure that you are happy with your coverage and combined excess value before taking out a policy, as if you make any future claim, you will need to pay both the compulsory and voluntary excess together.

Can I pay the excess in installments?

Usually, the excess is charged in a lump sum, meaning you’ll need to pay it in one go. If the prospect of this is financially challenging to you, it may be worthwhile to consider looking into changing your policy to a lower excess before being confronted by this predicament.

Do I need to pay the excess if it’s not my fault?

You must pay the excess, regardless if you believe you were at fault or not. Once this is done, you could be able to claim this back if it’s determined that you weren’t to blame.

Why do I have to pay an excess?

Excess fees function by allowing insurance companies to minimize the number of minor or small claims that they have to deal with. Often, the cost of handling minor or small claims would only cover administration fees, meaning they’re not usually financially worthwhile for insurers.

Will a non-fault accident affect my insurance?

Sadly, yes. In most cases, your premium will likely rise once you declare a non-fault accident to your insurer.

Can I claim my insurance excess back?

If you’re absolved of any wrongdoing after paying the initial excess, you could be able to claim it back through the guilty party’s insurance.

Do I need a lawyer to make a personal injury claim?

There is no legal requirement to have a lawyer. However, with that being said, having a lawyer handle your case could significantly boost your chances of succeeding, helping you get the maximum compensation you deserve for your suffering.

Where can I find a personal injury lawyer?

Please don’t hesitate to get in touch with Legal Expert today if you’d like a free consultation. If we believe you have a valid claim, we can connect you to our panel of personal injury lawyers, all of whom work on a No Win No Fee basis.

Useful Links

Passenger car accident claims
Find out how much you are eligible to claim for an accident as a passenger in a vehicle.

Whiplash Compensation Claims – How much can I claim?

Have you suffered from a whiplash injury after a car accident? find out how much you can claim

Vehicle insurance information
Information and advice on car insurance from the Citizens Advice Bureau

If you’re still wondering ‘a car hit us from behind and my insurance company want us to pay an excess fee – what to do?’, please get in touch with us today to discuss your situation for free with one of our specialist advisors.

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