Basically, i got rear ended at the lights, by this girl who drove a silver supra (she was doing around 30-/+mph when she hit me). Fortunately the damage on my car, is VERY minor, just need a new rear bumper and maybe a new rear light. she needs a new bumper and i THINK she broke a few things inside. We exchanged details, i called up my insurance and they said they will deal with it and i should hear back from them. Being a new driver, ive never been in this situation and my voluntary excess is £1000 (cheapest insurance policy i could find). I know i shouldnt have to pay anything, because she ACCEPTED responsilbility but my insurance company said, your may have to pay your voluntary excess which is £1000. WTF?! I would really appreciate it if someone can point me in the right direction. Also i was gonna claim for whiplash, as i have a stiff neck, but my local hospital isnt open on weekends, will it be acceptable if i notify my insurance regarding whiplash on monday?
Thanks, really appreciate your time and help.
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