Another Car Hit Us From Behind, My Insurance Company Wants Me To Pay An Excess

    By Mark Anderson. Last Updated 19th March 2021. Welcome to our guide, which looks at the scenario, “a car hit us from behind, my insurance company wants me to pay an excess.” Do you need answers to a question such as ‘a car hit us from behind, do I need to pay the excess for damage caused to my car?’ This online guide aims to answer these kinds of questions and more. It will also explain the process of making a personal injury claim if you are injured in a rear-end shunt accident.

    If at any time you’d like more free legal advice, you can speak to our team on 0161 696 9685. They will answer any questions you have and provide you with important information about your own claim.

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    A Guide To Rear-End Accidents And Insurance Excesses

    If you have been involved in a rear-end accident, and your insurance company wants you to pay the excess, then this guide should be of use to you. Additionally, this guide will be useful for anyone considering making a compensation claim having been injured in a road traffic accident that wasn’t their fault.

    Car hit us from behind my insurance company wants me to pay an excess

    Car hit from behind

    This guide starts with what a rear-end accident is, how they occur, and why you could be able to make a claim for any harm you suffer.

    The next part of this guide provides information about what the excess on your vehicle insurance policy is. We compare voluntary and compulsory excesses, and also discuss why insurers make excess charges and when they are applied. We will also look at whether you will need to pay the excess charged if the accident you were involved in was not your fault.

    The last part of this guide is devoted to facts and information about making a claim. We have produced a table that shows compensation ranges that you might receive for several different injuries. We’ll also cover a few other expenses or financial losses that you could be able to claim for, too. And finally, you will learn about the process of making a claim under a No Win, No Fee agreement, and also why using a No Win, No Fee solicitor can help to minimise the financial risks when making a claim.

    If you need answers to questions such as, ‘I was involved in a road traffic accident that was not my fault, do I have to pay the excess?’ or any other questions related to making a claim, we can help you. Call our team on, and one of our advisors will provide you with any assistance you need.

    What Is A Rear-End Accident?

    A rear-end accident, or rear-end shunt, is an accident involving a moving vehicle running into the back of a stationary one. These simple accidents can cause rear-end collision injuries such as whiplash, back pain, or muscular strains, as well as rear-end collision damage to either one or both vehicles. These accidents can be caused by distracted or negligent drivers or drivers who are drunk or under the influence of drugs. Note that there were 153,158 casualties of all kinds on the road in 2019. Of these, 25,945 were serious injuries, and 1,752 victims were killed

    For a person to make a claim, two key facts need to be proven. Firstly, that the person has suffered some physical harm, such as a case of whiplash. Secondly, they can prove that a third-party was at least partially at fault for causing the accident. If both of these facts are true in your case, then it could be possible that you have valid grounds to make a compensation claim. Read on to find out more, or call our team. One of our advisors will evaluate your claim and let you know whether they think it could be successful or not.

    What Is An Excess On A Vehicle Insurance Policy?

    As you think, “a car hit us from behind, and my insurance company wants me to pay an excess”, let’s clarify what excess is. In relation to a vehicle insurance policy, the term excess is applied to the amount of money you will be expected to pay out of your own pocket before the insurer pays anything. To answer the question, ‘how does car insurance excess work?’ we can give an example.

    Let us imagine that a car has been damaged in an accident, and the owner needs to get it repaired. They get a quote from a local garage for £400. They have an excess on their policy of £100. This means that the insurer will only pay £300 towards the cost of repairs. The policyholder will have to pay the £100 excess. When you make a car accident claim, the excess is the amount of money you will need to pay out of your own pocket before the insurer will contribute any funds.

    If you are still unsure whether you have to pay any excess yourself or how much this might be, then please speak to one of our advisors. They can help you to understand your insurance policy and find out the level of excess you are expected to pay if any.

    What Is The Difference Between A Compulsory Or Voluntary Insurance Excess?

    If you are involved in a car accident that was not your fault, you need to know whether you have to pay an excess. There are two different types of excess that a vehicle insurance policy could include in its terms and conditions.  These are:

    • Voluntary excess – when you are involved in a car accident, voluntary excess means it is optional to pay. However, in some cases, doing so could prevent your insurance premium increases because of the claim.
    • Compulsory excess – this kind of excess you must always pay. In minor accidents where little damage to your vehicle has been caused, it is likely that the compulsory excess will cover the costs, and the insurer will pay nothing.

    If you are unsure whether your policy has a clause about compulsory or voluntary excess, please speak to one of our advisors. They can help you to understand it.

    Why Are Excesses Charged By Car Insurance Providers?

    Excesses are used by insurers to dissuade people from making insurance claims for trivial damage to their vehicle. For example, after a rear-end accident fault with a light that requires new plastic housing, costing very little. If the car owner makes an insurance claim for this minor damage, it could cost the insurance firm hundreds of pounds and even more processing the claim.

    Excesses also dissuade people from making fraudulent claims, as they will have to risk some of their own money to get any money from the insurer. Furthermore, excesses act as an incentive to resolve minor accidents without getting the insurer involved. When the damage to either vehicle is within the amount of excess the policy dictates, it could be advantageous for all parties to arrange to fix their own damage and not incur a potential penalty from their insurer.

    When Are Excess Fees Charged By Insurance Providers?

    In cases of compulsory excesses, you will pay car insurance excess fees every time you make an insurance claim. This is regardless of who’s fault the accident was and whatever the cost of repairs will be.

    In the case of voluntary excesses, you will only pay the excess fees if you decide it is advantageous to do so. For example, if the accident wasn’t your fault and you don’t expect to face any penalty, such as loss of no claims bonus from your insurer, you might choose not to pay the excess.

    Do I Have To Pay An Excess Fee If The Accident Was Not My Fault?

    Onto the key point of “a car hit us from behind, yet my insurance company wants me to pay an excess.” Whenever you claim your vehicle insurance firm, you will have to pay a compulsory excess. In the case of voluntary car insurance excess, it is up to you whether you pay or not.

    However, if the accident was not your fault, and you intend to make a compensation claim for either physical harm you have suffered or financial loss due to damage to your vehicle, then you will be reimbursed for the excess if you win your claim.

    If you would like more information about the process of making a compensation claim and potentially claiming the excess you paid as damages, please speak to one of our advisors today.

    Rear-End Accident Injury Claims Calculator

    If your personal injury lawyer is successful in processing a claim on your behalf, the amount of compensation you receive is calculated based on many factors, making it very hard to give an accurate estimate of the value of a claim without knowing the specifics. However, to give you a general idea of what your claim might be worth, you can check out this table below.

    This table was created using the Judicial College Guidelines, a legal publication updated annually which provides valuations of injuries based on compensation awards made by the courts. You might also be able to find an online personal injury claims calculator that could roughly estimate the level of compensation you may receive if you win your claim.

    InjurySeverityCompensationNotes
    Injured armModerateUp to £11,820This would include elbow conditions such as tennis elbow, and other fractures and soft-tissue injuries that will heal fully with no ongoing symptoms.
    Injured backModerate£23,460 to £36,120This would include injuries such as a compression or crush fracture of one of the vertebrae. Spinal fusion may be required and the risk of developing osteoporosis in the future high.
    Injured footModerate£12,900 to £23,460This would include injuries such as a displaced metatarsal fracture, that once healed, would leave the foot out of shape and deformed and prevent the victim from wearing off the shelf shoes.
    Injured legModerate£26,050 to £36,790This would include soft tissue injures and all kinds of fractures to just one leg. The level of compensation that is awarded will be driven by the severity of the treatment the victim had to go through, and also whether there will be long term symptoms such as muscle wastage, scarring, impaired mobility, etc.
    Injured handModerate£5,260 to £12,460This would include injuries such as penetrating wounds, and also crush damage. Soft tissue injuries would also be covered, and the top end of the scale would compensate for injuries for which surgery has failed and there are still symptoms.
    Injured neckModerate£23,460 to £36,120This would include injuries such as a compression or crush fracture of one of the vertebrae. Chronic symptoms such as pain and inability to move the neck may exist. Spinal fusion may be required and the risk of developing osteoporosis in the future high.
    Injured head/brainModerate£40,410 to £85,150This would include cases where the victim has suffered a loss of cognitive capability, memory function, personality shift, etc. Work prospects on the future would be limited.

    The money awarded for the injuries sustained is known as general damages. They are designed to compensate you for the pain, suffering and loss of amenity experienced due to the injuries. 

    If you want a much more accurate estimate of the amount of compensation you could receive if your claim is successful, you will need a personal injury solicitor to value it for you. Please speak to our team to learn how to proceed with this.

    Special Damages You May Additionally Claim

    As well as general damages, it’s also possible in successful personal injury claims to claim for special damages. This is designed to compensate you for any expenses or financial losses that have been incurred as a result of the injuries. In cases involving more severe injuries, it may be possible to claim for loss of future income too. Some examples of common types of special damages include:

    • Lost earnings – if the claimant lost out on their salary, wages or work bonuses, either partially or in full, as a result of their injury/illness, they may be able to recover this.
    • Medical costs – if the claimant required private medical care that the NHS could not provide, it could be possible to claim this.
    • Lowered earning potential – if the claimant’s injuries are severe enough to hamper their ability to earn a living in the future, this may also be compensated.
    • Out of pocket expenses – such as travel costs related to getting medical treatment or dealing with the claim itself may be recovered.
    • The cost of care – if the claimant had to hire a nurse to help care for them at home, or a cleaner to help maintain their home, or even if a family member had to attend to provide support, this can all be claimed for. 

    The most important thing to remember when it comes to special damages is that everything claimed has to be evidenced. Therefore, keep all of your receipts and invoices, even bus tickets!

    How Legal Helpline Could Help You

    If you have been involved in a rear shunt accident, causing a whiplash injury or any other kind of injury, we can offer you advice on how to claim for the harm suffered. We can also advise you on how to go about claiming for any compulsory or voluntary excess you paid, even though the accident was not your fault. Legal Helpline helps you with the query, “a car hit us from behind and my insurance company wants me to pay an excess.”

    Our panel of solicitors has over thirty years of experience handling personal injury claims. They will strive to win you the maximum amount of compensation possible and will expertly guide you through the complexities of the legal process, debunking legal jargon along the way. And if ever you have a query or would like an update on your case, they’ll be on hand to take your call.

    To claim with us, all you need to do is follow these three simple steps:

    1. Call our team and have your questions answered. Our team will provide you with any information you need related to the claims process at this time.
    2. One of our advisors will evaluate your claim for you and talk you through our claims process.
    3. A personal injury lawyer will then begin to process your claim for you, aiming to get you the maximum level of compensation possible.

    No Win No Fee Rear-End Accident And Insurance Excess Claims

    Our panel of solicitors can give you the option of entering into a No Win, No Fee Agreement, also known as a Conditional Fee Agreement (CFA). The CFA is designed to offer claimants financial protection and the confidence to pursue justice. If you sign a CFA with a solicitor from our panel, you will not have to pay any fees upfront, nor will you have to pay any fees during your claim either. And if your claim is unsuccessful, you will not have to pay any of the fees your solicitor has incurred in pursuing your case. 

    If your claim is successful, your solicitor may seek a small contribution towards their costs. This is known as a ‘success fee’ and would be deducted from the compensation awarded at the end of the claim. Don’t’ worry, the success fee is legally capped!

    Start Your Case Today

    Have you had to pay an excess charge as part of an insurance claim? Perhaps you have also suffered an injury in the same accident that damaged your car? You could be entitled to compensation.

    Our team can help you to get your claim underway.  You can contact our team on 0161 696 9685, and one of our advisors will discuss your claim with you and offer you some free legal advice on what to do next.

    References And Claims Guides

    You might like to check out these external links; they could have useful information for you:

    Advice About Vehicle Insurance

    The Road Traffic Act 1988

    Road Safety Statistics

    These other guides we have published may be of use to you:

    Road Traffic Accident Claims

    Claiming Against The Motor Insurers Bureau

    How To Make A Claim Following A Car Accident

    Car Hit Us From Behind My Insurance Company Wants Me To Pay An Excess FAQs

    Must I pay excess if it isn’t your fault?

    In this case, you have to take a step backwards to take a step forward. That means paying the excess initially to begin the claim. But then, if you’re absolved of blame, your insurer can claim back the excess from the defendant’s insurer.

    Do I pay excess if someone hits my car?

    Excess is paid, at least initially, for any claim, no matter who is to blame. Even if someone hits your car, you pay excess at the first point of making a claim. But once it’s determined that the third party is at fault, you could receive this amount back.

    Could I claim back my insurance excess?

    Indeed, you can claim this back if you’re innocent of any wrongdoing as part of the accident resulting in a claim. But it could be that you must claim this back from the guilty party’s insurance company rather than your own.

    Might a car insurance company refuse to pay a claim?

    They could do this. But there must be a valid reason. Hence why you should check the terms and conditions of your insurance policy very carefully. Usually, though, the insurers won’t take this step, especially if you’re not at fault.

    Guide by MR

    Edited by REG

    Thank you for reading our guide covering the scenario, “a car hit us from behind, my insurance company wants me to pay an excess.”