Why do I have to pay a car insurance excess even if it was not my fault?
An excess is payable whenever a claim is submitted and it is the first payment that needs to be made in the event of a claim – regardless of whether it was your fault or not. The administrative cost of a car insurance claim is the same, regardless of who is at fault. If you are not at fault, you can claim the excess amount back from the guilty party. Unfortunately, this can take a long time, especially if the guilty party isn’t insured. MiWay’s legal recoveries department will do their utmost to recover your excess free of charge.
There are certain circumstances when an excess cannot be recovered, for example:
- You the insured does not have the guilty parties details
- The guilty party does not have any income or assets to attach
- The legal costs outweigh the recovery costs (excess amount)
- The guilty party cannot be traced
- The merits of the claim do not justify the recovery of the excess
Car Insurance Additional Information
MiWay offers flexible car insurance to cover losses primarily due to an accident or theft.
In addition to accident or theft, comprehensive car insurance in South Africa covers losses due to fire and explosion, natural disasters like hail and floods and damage to the vehicle’s glass.
Additional options such as car hire and cover for non-standard sound systems and car accessories can also be added to your car insurance policy.
Car Insurance is sometimes referred to as Vehicle Insurance or Motor Insurance.
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