Thanks for compromise [ref. Doubles Game :-)] and for the record, I couldn't give a flying fart whether you're male/female/hermaphrodite/single cell amoebic/whatever - so long as your postings are witty/clever/funny/educational/thought-provoking/etc. thereby compelling me to read them when I sign in and see the name on the index pages. I'm a huge fan of some of the regular posters in this elite community - but I wouldn't dream of naming names .....
*sympathy hugs* for flerdle, rab and Bob [whose simulpost I've just seen]
No, your NEIGHBOUR has to pay the excess and then he claims it back through his insurance, from your insurance! Don't let him tell you otherwise! Unless you mean your own excess, of course - but I didn't get the impression that you damaged your car that badly..