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#1

Posted 04 February 2016 - 05:00 PM

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Hello Everyone,

 

I would like to seek your advice on my accident case. 

 

It was a rainy day and I am on the right lane (two lane road). The taxi driver on the left hit me on my left side and causes my car to ski. Unfortunately my car camera isn't working on that day. Photo evidences were submitted in the report. 

 

I have made a 3rd party claim (AXA). Question is what option do I have if 3rd party claim fails? I have called up my insurer (NTUC) and was informed that they will not be helping me on this unless I claim my damages from my policy.

 

Thank you.



#2

Posted 04 February 2016 - 05:22 PM

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Sorry to hear about your accident.
Any other party/ property involved?

Normally your regular WS should be able to help with the paper and legwork.

And now you know who not to renew insurance with.
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#3

Posted 04 February 2016 - 05:35 PM

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Taxi got beedio? Who not claim own damage and let insurance fight?
If not your fault will AXA ping your NCD?
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#4

Posted 04 February 2016 - 06:19 PM

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Hello Everyone,

I would like to seek your advice on my accident case.

It was a rainy day and I am on the right lane (two lane road). The taxi driver on the left hit me on my left side and causes my car to ski. Unfortunately my car camera isn't working on that day. Photo evidences were submitted in the report.

I have made a 3rd party claim (AXA). Question is what option do I have if 3rd party claim fails? I have called up my insurer (NTUC) and was informed that they will not be helping me on this unless I claim my damages from my policy.

Thank you.

What happen to the camera? Last time I thought my sd card corrupted but Heng still can recover
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#5

Posted 04 February 2016 - 07:02 PM

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Is it a very big damage? Will the cost be more than your excess + NCD till you recover? If the damage if bigger then just claim your insurance and let the insurance fight it out. If not just self repair and move on. Winning against taxi is not easy plus hit from side is hard to win without real good evidence.


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#6

Posted 04 February 2016 - 11:06 PM

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Sorry to hear about your accident.
Any other party/ property involved?

Normally your regular WS should be able to help with the paper and legwork.

And now you know who not to renew insurance with.

WS is claiming 3rd party for me.. but i m just thinking what if AXA reject the claim? haha yes yes :)


Taxi got beedio? Who not claim own damage and let insurance fight?
If not your fault will AXA ping your NCD?

taxi not beedio. was advised to claim 3rd party first.. side to side should be hard


What happen to the camera? Last time I thought my sd card corrupted but Heng still can recover

went to a professional recovery service. they cant recover the sd card :(


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#7

Posted 04 February 2016 - 11:12 PM

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Is it a very big damage? Will the cost be more than your excess + NCD till you recover? If the damage if bigger then just claim your insurance and let the insurance fight it out. If not just self repair and move on. Winning against taxi is not easy plus hit from side is hard to win without real good evidence.

damage is big - air bag came out because i was lost control of the vehicle once he hit me.. 

 

cost is definitely more than my policy excess. yes i agree side to side is hard



#8

Posted 04 February 2016 - 11:17 PM

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Sorry to hear that, can the computer register the SD card? When you insert it in the computer what does it say?

 

Dun mind me asking I'm familiar with data recovery seeing what else can help.

 

WS is claiming 3rd party for me.. but i m just thinking what if AXA reject the claim? haha yes yes :)


taxi not beedio. was advised to claim 3rd party first.. side to side should be hard


went to a professional recovery service. they cant recover the sd card :(

 


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#9

Posted 05 February 2016 - 08:38 AM

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Hello Everyone,

 

I would like to seek your advice on my accident case. 

 

It was a rainy day and I am on the right lane (two lane road). The taxi driver on the left hit me on my left side and causes my car to ski. Unfortunately my car camera isn't working on that day. Photo evidences were submitted in the report. 

 

I have made a 3rd party claim (AXA). Question is what option do I have if 3rd party claim fails? I have called up my insurer (NTUC) and was informed that they will not be helping me on this unless I claim my damages from my policy.

 

Thank you.

 

I suggest you to quickly look at your policy (with NTUC) to find out / confirm what is the last date / deadline for submitting OD claim i.e. claim against your own policy. Some insurers impose a 14-day condition to submit own claim.

 

No videographic evidence => chances are 50:50 unless the taxi driver admit his fault (which we all know is quite impossible)

 

Photographic evidence do not prove anything.

 

No independent witness => 50:50



#10

Posted 05 February 2016 - 09:24 AM

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Just to share, I understand quite a number of people mentioned that photographic evidence is inconclusive. However, you say that you car spun? If that is the case, I hope you had:

1. photographed where you were hit;

2. direction of travel (shows that you had spun out);

3. any skids marks to indicate spin;

4.note specific time and date of the incident (hopefully someone else's camera was on) 

 

If you spun, please check your drive shaft and ensure no damage.

 

all the best man.



#11

Posted 05 February 2016 - 12:34 PM

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Just to share, I understand quite a number of people mentioned that photographic evidence is inconclusive. However, you say that you car spun? If that is the case, I hope you had:

1. photographed where you were hit;

2. direction of travel (shows that you had spun out);

3. any skids marks to indicate spin;

4.note specific time and date of the incident (hopefully someone else's camera was on) 

 

If you spun, please check your drive shaft and ensure no damage.

 

all the best man.

 

Agree.

 

Maybe TS can share the details i.e. date/time/location/licence plate, make & colour of car (& taxi) so that anyone with car cam footages at that point in time may be able to post the evidence in any forum to help your case.

 

Without any evidence nor video footage it will be one's word vs another quite difficult to fight.


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#12

Posted 05 February 2016 - 02:55 PM

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How can taxi have no video? Suspicious
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#13

Posted 05 February 2016 - 03:29 PM

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How can taxi have no video? Suspicious

Why would the taxi want to incriminate himself ?


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#14

Posted 05 February 2016 - 03:59 PM

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if fail, ownself claim ownself lor



#15

Posted 05 February 2016 - 04:00 PM

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if fail, ownself claim ownself lor

 

Bro, why you change your avatar from one pick up to another? Except this time this pick up looks angry. :grin:

 

I'm also seriously considering changing my avatar, cos black is like not very auspicious


Edited by Weez911, 05 February 2016 - 04:05 PM.


#16

Posted 05 February 2016 - 04:06 PM

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And now you know who not to renew insurance with.

 

I'm not sure why you'd expect your insurer to assist you with a third party claim. 



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#17

Posted 05 February 2016 - 04:06 PM

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Bro, why you change your avatar from one pick up to another? Except this time this pick up looks angry. :grin:

 

I'm also seriously considering changing my avatar, cos black is like not very auspicious

 

Nonsense. Who say black is inauspicious? -_-



#18

Posted 05 February 2016 - 04:09 PM

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Bro, why you change your avatar from one pick up to another? Except this time this pick up looks angry. :grin:

 

I'm also seriously considering changing my avatar, cos black is like not very auspicious

 

I cant find the old picture liao :mellow:


Bro, why you change your avatar from one pick up to another? Except this time this pick up looks angry. :grin:

 

I'm also seriously considering changing my avatar, cos black is like not very auspicious

 

in accounts, black is very auspicious [bounce1]  and red is taboo :ph34r:



#19

Posted 05 February 2016 - 04:14 PM

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I'm not sure why you'd expect your insurer to assist you with a third party claim.

True hor

But the way he put it like they not very helpful
I would at least expect them walk thru and not say 'I will not help u'?

Income's take (last time) for OD is if both Income, then claim first they internally deconflict later. Faster repairs for everyone.

But now is not both Income and they still expect him to claim OD?

Why would the taxi want to incriminate himself ?

No but can ask taxi company for it right? If in his favour, he would have taken out long ago liao no?
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#20

Posted 05 February 2016 - 04:17 PM

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Don't worry. Cummins FTW :D

 

 

I cant find the old picture liao :mellow:

 


Cheers
Ben


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