The car insurance excess is the agreed upon amount your insurance company requires you to pay for any repairs that are being made to your vehicle due to a claim being filed. Your insurance company will determine what your excess payment will be when you start your policy. The excess payments in most cases will be made directly to the garage or mechanic that is repairing the vehicle, the insurance will send the remaining amount due directly to them or send a check to you that you will need to … [Read more...]