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Do I pay an excess if a claim isn't my fault?

Yes - but you should be able to reclaim it. As part of your Motor legal services cover if you are involved in a car accident that's not your fault, we will cover up to £100,000 in legal costs for a lawyer to pursue compensation from the driver who's to blame (e.g. personal injury, your excess, travel expenses). We will also pay your legal costs should your claim not be successful.

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