Imagine you are in your car indicating to turn right into a road and someone runs into the back of you. No problem - they ran into the back of you, your insurance will pay for it all and claim off their insurers .....
Or rather, that's what you *think*.
It seems unless you have this "legal expenses" option on your insurance this is not so and you will lose your compulsory excess.
This is exactly what is happening to us. Julie was the driver and some taxi driver ran into the back of her. Her insurance are sorting it all out BUT they say we have to pay 300 quid excess !
The damage to her car probably isn't even worth that !
However a scour of the net and it seems they can do this.
There is a silver lining in that she has some "accident aftercare" card from her Mazda garage which claims to help recover your policy excess. Quite how all this works in tandem with her insurance company I don't know but hopefully she can get it back via them.
What is the point of car insurers ?
Its yet another skank ...
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