any lawyers on here, ? about insurance

for the second time in 5mths some silly buggar has hit our car (both times neither person has stopped), the first was written off, and this one we are awaiting to see if it can be fixed,

but my question is, neither time was our fault, and because the person didnt stop we have no details for them, so the insurance company is making us pay the excess, even the police reckon we shouldnt have to pay the excess as it was in no way our fault...

so my question is, how do we go about getting the insurance company to wave the excess, ive argued till im blue in the face with them today, but they just wont budge

PM minik8e she works for an insurance company.

If you don't have the details of the other driver you will have to pay the excess, no way round it I'm afraid.

I worked for an insurance company, and unfortunately, as the others have said, they wont waive an excess unless they have the name of the offender, or if someone accepts liability.

Its so unfair and such an unfortunate thing to happen, especially twice in a row. You poor thing.

That sucks but yeah if you don't know who did it (or in our case they lie and give you false details) then you have to pay the excess.

I don't see how that can work, because you may be able to prove the damage but you can't prove how it happened and who was at fault - yeah they might be able to prove that the other car hit YOU but they can't prove for example that you hadn't pulled out in front of the car that hit you - which would mean you are at fault.

Most policy wordings are pretty clear that if you can't identify the third party and they don't admit liability, then you are liable for the excess.