Query

i have previously shared on this platform regarding my daughter and the accident in which she was involved and what was the outcome of the panelbeaters.Nevertheless the panelbeaters took responsibility and fetched the car and sorted everything out accordingly replacing the missing items and also getting the car into perfect condition.Our only concern is that the accident was not my daughters fault so why did she have to cough up the huge excess from her pocket...There is protocols and procedures in place that the insurance company should follow to recover this money..So basically the insurance company warrants us to pay the excess whether it is our fault or not which in my opinion is not acceptable.