The Expert will be specific knowledgeable people at the Department of Transport, Arrive Alive Communications, the Road Traffic Management Corporation or others who might have the expertise to answer the question.
Your insurer will attempt to recover the excess. If they are successful it will be refunded to him. What sometimes happens is that the guilty party will pay in instalments, once the entire amount is paid the insurer will pay it back to you. You should follow up with his insurer on a regular basis as some do not pay automatically. We have seen in the past an excess refunded even 5 years after the incident.
You can claim the excess back from the liable party (its insurance company preferable). Best would be to contact your insurer and request confirmation whether you will have to do so or whether the insurer will do so on your behalf. But please note that your are not guaranteed to be refunded, it’s up the insurer.
Also view "Car Insurance and Road Safety"
