Josie’s car was parked on the street overnight. The next morning she woke up to find it had been ploughed into by another car and the police were in attendance. They told her that the driver had been arrested and they did not know if he had insurance. Josie contacted her insurer and made a claim. They asked her to pay an excess. Josie said that she wasn’t at fault but her insurer says she still needs to pay. Financial Rights was able to give Josie advice about how excess works, how she can raise a dispute with her insurer if she has the other driver’s contact details.