It works the same way here too.You have a very strange insurance regime in the UK. When we claim, the repair is done - no questions. If the other party is identified and at fault you don't lose the excess. If they aren't insured the company squeezes them until their pips pop.
There is no waiting for the other party to admit fault or pay anything.
It's the just the route I took.
SEAT ensurance are a claims management company. It's a free "benefit" when you purchase a SEAT in the UK.
They work with both insurers, guarantee your repairs with genuine parts/warranty and put you in a like for hire car at the 3rd party's expense.
They get the authorization up front from the 3rd party so that there is no excess to pay.
My issue was that the 3rd party wasn't in a hurry to authorize. If I'd have paid my excess it would have been repaired sooner.
Unfortunately this is the second time I've had to use the service in 3 years. Fortunately though each time the courtesy car has been better than my own.
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