Oh, normally, ownself claim ownself need to pay excess lor.
However, as it is not your papa fault, chances is good that there is no need to pay excess if the claim is successful. Your insurer will usually charge the excess in the bill. Whether successful or not, it is not likely your NCD is affected lor.
The biggest loss is that unlike claiming 3rd party, ownself claim ownself is different. A tender is called and the lowest bid get to repair your car lor. Of course, if premium insurance like can go to own workshop, and of course, as the goat hair theorem say, your premium will go up.
As for calling the company, suggest you do not call the company lor, let the insurer settle lor. You may complicate matter lor.
If by the time your next renew is near and still pending, go bug your insurer lor.
Of course of course, many small small issue like unreliable witness, you say you park at 3pm, witness said seen the incident at 2pm la, affect your claim.
BTW, if you choose to claim 3rd party and unsuccessful, you cannot revert to ownself claim ownself de.
So relax, don't be too demanding, get car fix and wait for the good news. Follow the flow lor.
Dear Bros ... I need some advice. My Dad was involved in a HIt and Run accident. He was parked and when he returned to the car ... his entire front bumper was ripped off.
2 good Samaritans had taken pics and we have reported to the police. The police will be investigating. I need your help ...
1) I have reported to the police and I have been told by my insurance company that I need to claim on my policy first before they can go claim on the other insurance.
2) Is there a chance I will be out of pocket and I cannot claim on the other insurance company?
I also need your help to identify the company so that I can give them a call.