Insurance Claim Gone Sour

[Yaw]

Originally Posted by GreenEL

So how would it be my fault that some idiot ran a trolley down the side of my car?

You are confusing the terms "at fault" and "not at fault"

They are simply an insurance term.
Examples of "at Fault" claims are
Stolen Cars (unless you can identify the thief and they are charged and convicted because there is no third party to recover from)
Hitting an Animal that wandered in front of you (the insurance comapny will not get any money if they sue skippy)
Your car being hit up the back and the third party does a runner without you getting any info, (no third party to recover from)

The best definition of having to pay an excess is :
ANY claim where you are unable to identify the third party at fault.