Car Insurance query

[acmilan]

Hello,

My Mother was involved in a car accident last week, after filling out all the forms with the police station and insurance she decided to get her car privately fixed as insurance excess payment was ridiculous.

The other person involved has not got back to us or there insurance as of yet.

My question is when they do get back must my mother pay the persons excess, if yes does she pay it to the person or insurer and can it be done via installments.

I went around and got quotes on the other persons damage and I got general quotes of R800 - R1100 from 5 places.

If the excess the person has to pay is like R8000 will I be able to dispute this?

It was a rear end crash my mother person being the person who got the front end damaged but I told her not to admit fault as it does seem the person braked erratically.

Any help on the matter would be great.

 

[Lupus]

She rear-ended someone, it's her fault doesn't matter about braking erratically and all that, the case is she didn't keep sufficient following distance to stop in time. I know this because that was my very first accident, has your mom contacted her insurance that there will possibly be a third party claim against her?
She doesn't have to go through the insurance but she needs to let them know that there is a third party that could make a claim against her.

 

[infscrtyrisk]

She rear-ended someone, it's her fault doesn't matter about braking erratically and all that, the case is she didn't keep sufficient following distance to stop in time.

Not sure if I agree. Was the other vehicle:

• Driven by a person under the influence of liquor, or any medication that may have impaired their ability to drive?;
• Driven by a person with a valid driver's license, or if a learners' license, accompanied by a person with a valid driver's license?;
• Driven by a person who was visibly and noticeably otherwise occupied with, amongst others, operating a cellphone, taking a taxi fare, disciplining naughty children?;
• Roadworthy and fully licensed at the time of the accident?

 

[Lupus]

Unless it was 2, the others are hard to prove . Unless blood was taken for one and witness for 3. 4 also unless it can be shown the unroadworthiness of the vehicle rolled into the other car. The person behind is still at fault for not keeping sufficient following distance.
Rear endings are crap as it can essentially be both parties fault. Though 90% of the time it's the person at the back and it's mostly due to not keeping a safe distance. If you're driving the right distance you'd not have hit the other driver. You could fight it if you've got witnesses and blood tests.