Commercial Fleet Insurance Questions

[Citroënbender]

Related to my ute being hit by a van driver last week. Apparently their work vehicle fleet is insured by AAMI.

My problem is, under my own policy the ute would be considered an economic loss per sum insured, from the collision it now has:

• Depression (very minor) to the quarter panel
• Scuffing to the sill
• Driver’s door needing replacement
• Front guard needing replacement
• The hinge pillar features a small inwards kink near its base from the lower hinge being pushed back
• Possible bent rack end(s) as alignment is slightly changed
• Possibly cracked door mirror swivel

I don’t have the time/energy to find another ute of equal specifications and go through hoops again to personalise it, nor am I looking for any upgrade, or money in my pocket. So it makes sense in that way, to repair.

What I’m not sure about, is how fleet policies deal with third party claims, if I were to pursue it myself - rather than through my insurer. Would it come under the same claim and excess as their own vehicle’s damage, or be a separate event? Also, are fleet excesses lower or higher than domestic policies?