I parallel parked my car in a car park and the driver in the next car dented my door when they opened their door without looking; I was sitting in my car at the time. They admitted fault and said to let them know how much it would cost to repair as they didn't want to go through insurance. I got a quote (£170/-) and told the other driver, who said they would send a cheque. The cheque always seems to be "in the post". I want to put it into my insurance but the repair cost is less than my excess. Am I legally entitled to have my excess waived as I am not at fault? Or is it at the discretion of the insurance company?