All right, you probably know this by now, but in case you haven’t already… Whenever you file a claim with us (or any other auto insurance company), you pay a deductible. Even if the reason you are making a claim is not your fault. Oh, you already knew that, didn’t you? Did you know that sometimes you can get that money back? Yes, it’s totally true. You don’t have to say goodbye to this money.
Depending on the circumstances, we may be able to reclaim this excess amount or at least part of it for you. Of course, this means that there are also situations where we don’t get it back. Let’s consider both cases.
If you are unlikely to get your excess money back
The reality is that the excess money you paid is not always recoverable. It just depends on the nature of your claim… We can’t address every scenario, but there are a few hard and fast examples where we can say with certainty that your excess won’t be recoverable for you.
We cannot recover your excess if:
- You are claiming an accident caused by you.
- You were the only person involved in the accident.
- You have not received full details of the third party responsible for the accident.
- The third party is justifiably insolvent.
- The cost of recovering your money exceeds what we are trying to get back for you.
Here’s when you’re likely to get your excess money back
Now for the positive. We can definitely try to get your excess or part of it back if you’ve been in a car accident and it wasn’t your fault. Under the circumstances, it’s entirely possible. We understand that every penny counts and are here to help with your insurance needs, including whether we can recover your excess. Please talk to us about claiming your excess back because if we can help put some of your money back into your wallet we will do whatever we can.
The magic key to this whole recovery process
It is so important to know that you cannot go directly to the third party to get your excess money back. That’s a big no-no. We are an independent person but in this case only your insurance company can claim this money back for you.
So please leave the heavy excess recovery lifting to us. After all, you trust us to process your claims and lower your car insurance premiums every month to make it cheaper the longer you stay with us… So you know we’ve got that.
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