Who pays excess in a crash?

Posted on

Who Pays Excess in a Crash?

In the event of a car crash, it is important to know who is responsible for paying the excess. Excess is the portion of the claim amount that you have to pay (the insurer pays the rest). For example, if you have a $400 excess on your car insurance and the car is damaged in a motor accident, you would have to pay the first $400 of the cost of repairs.

In the majority of cases, the driver who is at fault for the accident is responsible for paying the excess. This means that if you are the driver who caused the accident, you will be liable for the excess amount. If you are not at fault, then the other driver’s insurance company will usually cover the excess.

However, there are some cases where the excess may be split between the two drivers. This usually happens when both drivers are partially at fault for the accident. In this case, the excess will be split between the two drivers according to the percentage of fault.

It is important to remember that the excess amount is not the only cost that you may be liable for in the event of a crash. You may also be liable for other costs such as medical expenses, damage to property, and any other costs that may be incurred as a result of the accident.

It is also important to note that the excess amount is not always the same for all drivers. Different insurers have different excess amounts, so it is important to check with your insurer to find out what your excess amount is.

In conclusion, it is important to know who is responsible for paying the excess in the event of a crash. In most cases, the driver who is at fault for the accident is responsible for paying the excess. However, in some cases, the excess may be split between the two drivers. It is important to check with your insurer to find out what your excess amount is.

Leave a Reply