Ok I also a bit blur about how they work, so let's just treat
this as a normal accident case.
Normall accident if I am not wrong, once you pay access, that
should include the damage, is this correct?
Unless of course the excess doesn't cover the repairs, in that
case suit could be taken against you by the insurers to settle the
rest.
But this is a long drawn out process, and must follow a certain
procedure and then some negotiations back and forth.
So what i see, the 1.5k, that one cannot argue, that is gone,
the rest is subjective and open to negotiations. I don't think the
kiosk can come out with a ballpark figure just like that.
My advise (of course others can and should offer better if I am
wrong) , is to forego the excess, that also depends on what the
agreement was when signed. If haven't paid the full sum, then pay
thru some instalments.
For the rest, ask them to show the insurers letter of demand and
take from there. In the meantime, find another cab to drive.
If wanna settle and get this over, offer the excess and make be
rental capped at $500 (total 2k), see if they take or not, if not
tell them to do a lawsuit, see whether they go-stan or not.
That is my view, please check with others, whether what I say is
feasible or correct.
