The insurance now work differently, under the clause, in a
forward movement with not reversing inplace once you hit someone
rear, you are deem wrong and pay the excess, so you pay the excess,
however, in a forward movement, if someone hit your rear, you do
not hv to pay excess as the other party is wrong and claim shall be
make against him, which is his insurance…
Until such cases are settled, the excess shall then, return back
to you
