Quote:
Originally Posted by bendrick
Surely if the other unisured party is at fault ( if they are of course)
Your sister would be claiming off the Motor Insurance Bureau wouldn't she? Not off her own insurance company hence no excess charge.
https://www.mib.org.uk
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Most people with comprehensive insurance automatically claim from/thru their own insurance whenever they have a claim. Without considering that they could lessen the impact on future premiums by claiming directly against the other party or MIB.