Not having to Pay your excess – sounds to good to be true. Insurance companies rely on people not knowing their rights after an accident. The truth is that if you have an accident that was not your fault, then you have a few options open to you. Read on to find out how you can get your car accident repairs done without having to pay an excess, without your premiums or no claims history being affected and get a courtesy car that is the same make and model as your own.