Had a bit of a prang in the hearse, swapped details usual stuff. Our insurance comp fcuked up and never put our details on the national insurance database to which we are taking seperate legal action against them. Anyway other parties insurer rings because they cannot find us obviously on the NIB. Because it was my falt (the prang) I agree to pay and state I want to see quotes first. All is tickety-boo until they said I have to pay the other parties excess ontop of the damge bill. Is this correct??.