About Car Insurance And Excess Payments
A surplus payment is the fixed payment you must pay each time your car is repaired through your car insurance rule. Your insurance company settles the repair charges direct to the garage at the time of collecting your car after repair. If your car is declared to be a write off, your insurance company will deduct the excess agreed on the policy from the settlement payment it makes to you.
You may be able to get the excess payment from the other driver’s insurance premium if it was their fault. But what if the other motorist isn’t covered?
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