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Hi, thank you for your enquiry and patience. I am very sorry to hear of your situation. It is regrettable but the other party was not legally bound to have their car repaired without the involvement of insurers. Some insurance policies will be voided by parties settling claims without notifying the insurer. There is nothing you can do in this case since you are not denying liability and the excess was stated expressly on the paperwork. I am sorry I had no different answer but it is best that you know the legal position so that you do not waste more money trying to recover some of the money you have paid. I hope this helps and I would be grateful for your rating at your earliest convenience. all the best