How do I Recover my Insurance Excess from the At-fault Party?

When you are involved in an accident where you are not at fault, recovering your insurance excess typically depends on the other driver admitting fault and having their details available. We have over 20 years of experience in insurance liaison and claims assistance to help navigate this process for you.

Depending on your situation, there are a few ways the excess is handled:

• Excess Waived: If you are not at fault and the other driver admits responsibility, your insurer will typically waive the excess immediately, meaning you do not have to pay anything upfront.
• Initially Paid then Refunded: If fault is disputed, you may need to pay the excess initially to begin your claim. Your insurer then pursues the at-fault party’s insurance for excess recovery. Once they successfully reclaim the costs—which can take weeks or months—you will be refunded.
• No Recovery: If you are found to be at fault, the excess is generally non-recoverable.

At our workshop, we provide stress-free claims handling by managing the paperwork and communicating directly with your insurer. We assist in gathering the necessary evidence, such as third-party details or police reports, to strengthen your not-at-fault claim.

While your vehicle is being restored to factory standards, we also ensure you stay mobile by providing a replacement / loan car at no cost for not-at-fault customers. We work with all car insurance companies to ensure your claim moves forward efficiently without unnecessary out-of-pocket expenses.

• Excess Recovery Australia: Complete Claim Process Guide