Alright, so you probably know this by now but in case you didn’t… Whenever you submit a claim to us (or any car insurance company) you’re going to pay an excess amount. Even if the reason why you’re claiming isn’t your fault. Oh, you knew that already, did you? Well, did you know that you can sometimes get this money back? Yes, it’s totally true. You don’t have to kiss this money goodbye.
Depending on the circumstances, we can potentially recover this excess amount or at least a portion of it back for you. Of course, what this means is that there are also situations in which we can’t get it back. Let’s look at both cases.
When it’s unlikely to get your excess money back
The reality is that the excess money you’ve paid is not always recoverable. It just depends on the nature of your claim… We can’t speak to every scenario, but there are a few hard and fast examples where we can say for sure right here that your excess can’t be recovered for you.
We can’t get your excess back if:
- You’re claiming for an accident that you’ve caused.
- You were the only person involved in the accident.
- You didn’t get all the details of the third party who was responsible for the accident.
- The third party legitimately doesn’t have the ability to pay.
- The cost of recovering your money outweighs the amount that we’re trying to get back for you.
Here’s when it’s likely to get your excess money back
Now onto the positive. We can absolutely try to get your excess back or a portion of it if you were in a car accident and it wasn’t your fault. Under these circumstances, it’s totally possible. We understand that every penny counts and we’re here to help you with your insurance needs, including seeing if we can get your excess back. Please talk to us about recovering your excess, because if we can help you put some of your money back into your wallet then we’ll do whatever is possible.
The magic key to this whole recovery process
It’s so important to know that you can’t go directly to the third party to get your excess money back. That’s a huge no-no. We stan an independent human, but in this case, only your insurance company can recover this money for you.
So, please leave the heavy excess recovery lifting to us. After all, you trust us to handle your claims and decrease your car insurance premiums every month so that it gets more affordable the longer you stay with us… So you know that we’ve got this.
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