Car rental Insurance.

[Limxiaoming]

Hi bros,

 

Situation here is as such.

My friend rented a hyundai verna for 2 days. yesterday while driving along a 2 lane 1 way traffic at pasir ris, a taxi in front of him ebrake to pick up passanger. his right lane was clear so he signal n swerve to the right lane. but behind him there was also a lorry from the left lane who saw the taxi in front n swerve to the right too. ended up both vehicles swerve to the right at the same time but the lorry was travelling too fast and banged my friend's car. Anyway does not matter how accident occurred impt thing is my friend is confident in winning the case.

 

Now he goes back n tells the car rental company about the situation n my friend himslef suggest to private settle. but the bloddy idiot company wants to claim from him $5000 which is impossible cause his damage was like $150. $5000 because he claims 4 days loss of use is worth $5000. So nvm lan lan got to fight insurance.

 

Now car rental company say better not to claim insurance. But my friend say he bo bian cant fork out 5k plus repair for his rental car amounting to about 6k plus loss of use about 7k.

Now the insurance company say ok can claim but there are 2 types of insurance. 1st party n 3rd party.

 

If my friend claim 1st party, win or lose the case still must pay the access of $4000 to company as signed in contract(this is a norm for car rental) and this is all he needs to pay.

If my friend claims 3rd party if he win no need pay a cent. but if lose rental company say he got to bear all lawyer fee, repair damage, loss of use, loss of income etc. which may about to 5 digits.

What are his alternatives here may i ask?

 

Thanks so much for lau jiaos help in advance.

[Shor]

Brother,

 

 

frankly, bad to see this situation but this scenario , you bear the "losers" part. Alternatively, choose the one you compensate the lesser.

 

First is rental car, the always have a lot of small clauses that the hirer will not notice ( no one read all )

Second, engaged an accident with a taxi........ bad , real bad!!!! The taxi will claim the " Fullest " he can unless you have a front camera to show the court.

 

 

Thirdly, lorry banging at your car........claim him. It sounds very simple, but the procedure and traffic and insurance rules happen to be in this way.

 

Wish you good luck.

Edited May 13, 2011 by Shor

[Limxiaoming]

ahhh. ok tq for ur advice. but the thing is taxi not invloved at all. only lorry bang my fren on his side.

but now the rental company scare him until he dont even dare to fight the case.

at 1st he thought he no fault at all. now ppl around him scare him until he dont dare fight insurance and have a possibility of losing and pay more than 10k

 

[Mllcg]

who bang from behind who wrong.

 

simple

[Kch32]

thought rental car has comprehensive insurance to cover any people renting the car. Their insurance is normally more expensive because it's for rental car. don't understand why your friend need to pay to the rental company. You friend should be covered under the insurance. I may be wrong.....

[Ooosh]

got pictures as evidence?

Edited May 13, 2011 by Ooosh

[Nzy]

ahhh. ok tq for ur advice. but the thing is taxi not invloved at all. only lorry bang my fren on his side.

but now the rental company scare him until he dont even dare to fight the case.

at 1st he thought he no fault at all. now ppl around him scare him until he dont dare fight insurance and have a possibility of losing and pay more than 10k

 

Get hit from the side most probably 50-50 already. Cannot be 100% one.

[Yeshe]

Hi bros,

 

Situation here is as such.

My friend rented a hyundai verna for 2 days. yesterday while driving along a 2 lane 1 way traffic at pasir ris, a taxi in front of him ebrake to pick up passanger. his right lane was clear so he signal n swerve to the right lane. but behind him there was also a lorry from the left lane who saw the taxi in front n swerve to the right too. ended up both vehicles swerve to the right at the same time but the lorry was travelling too fast and banged my friend's car. Anyway does not matter how accident occurred impt thing is my friend is confident in winning the case.

 

Now he goes back n tells the car rental company about the situation n my friend himslef suggest to private settle. but the bloddy idiot company wants to claim from him $5000 which is impossible cause his damage was like $150. $5000 because he claims 4 days loss of use is worth $5000. So nvm lan lan got to fight insurance.

 

Now car rental company say better not to claim insurance. But my friend say he bo bian cant fork out 5k plus repair for his rental car amounting to about 6k plus loss of use about 7k.

Now the insurance company say ok can claim but there are 2 types of insurance. 1st party n 3rd party.

 

If my friend claim 1st party, win or lose the case still must pay the access of $4000 to company as signed in contract(this is a norm for car rental) and this is all he needs to pay.

If my friend claims 3rd party if he win no need pay a cent. but if lose rental company say he got to bear all lawyer fee, repair damage, loss of use, loss of income etc. which may about to 5 digits.

What are his alternatives here may i ask?

 

Thanks so much for lau jiaos help in advance.

 

1st question, how come your fren rent car not incl insurance? even if insurance is option, he always have to buy. now accident, the rental co has every right to get $$$ from your fren regardless right or wrong

 

 

[SGCMmaomao]

Hi bros,

 

Situation here is as such.

My friend rented a hyundai verna for 2 days. yesterday while driving along a 2 lane 1 way traffic at pasir ris, a taxi in front of him ebrake to pick up passanger. his right lane was clear so he signal n swerve to the right lane. but behind him there was also a lorry from the left lane who saw the taxi in front n swerve to the right too. ended up both vehicles swerve to the right at the same time but the lorry was travelling too fast and banged my friend's car. Anyway does not matter how accident occurred impt thing is my friend is confident in winning the case.

 

Now he goes back n tells the car rental company about the situation n my friend himslef suggest to private settle. but the bloddy idiot company wants to claim from him $5000 which is impossible cause his damage was like $150. $5000 because he claims 4 days loss of use is worth $5000. So nvm lan lan got to fight insurance.

 

Now car rental company say better not to claim insurance. But my friend say he bo bian cant fork out 5k plus repair for his rental car amounting to about 6k plus loss of use about 7k.

Now the insurance company say ok can claim but there are 2 types of insurance. 1st party n 3rd party.

 

If my friend claim 1st party, win or lose the case still must pay the access of $4000 to company as signed in contract(this is a norm for car rental) and this is all he needs to pay.

If my friend claims 3rd party if he win no need pay a cent. but if lose rental company say he got to bear all lawyer fee, repair damage, loss of use, loss of income etc. which may about to 5 digits.

What are his alternatives here may i ask?

 

Thanks so much for lau jiaos help in advance.

 

 

Bro, u mind PM me this car plate and let me check whether issit a illegel car renting to ur fren, from there i can advise u how to proceed.

[Rongshu]

I would suggest your friend to pay 4k to the rental company to close this case. Take it as a lesson learnt.

 

Your friend's reaction to the e-brake taxi somehow like new drivers. I did this before when I first got my license, but lucky no accident only got horn. Do not suddenly change lane without checking carefully. It is really hard for new or less experienced drivers to aware the traffic around them. Misjudged the speed of the upcoming vehicles, or totally missed it.

 

If your friend has time, maybe can nego with the rental company to reduce the amount to 2k or 3k. Good luck.

[Jefkking]

Bros, read the terms and conditons of the Rental Contract and theN pay the full access ! Max i think S$ 2K & that's it.

 

The Rental firm cheat your friend lah ! (Think that your friend is "new" and "green")

 

Before saying the aboove, i shall say, he should file the claim under 3rd party liability (Claim against the said lorry at rear - As the lorry hit the Verna from rear) but your friend still need to pay up-front access of S$ 2K 1st and could re-cover full or partial of S$ 2K (Subject to % of liability after assets by the Insurance company appointed Survey and base on the damages evidences + both parties' statements -- the statement your friend file on GIA Report is very very important in reducing the % of liability - BTW, have your friend file the GIA Report) BUT it'll take him about 1 to 2 yrs to receive this S$ 2K of monies from the said car insure firm (Means this said Verna car insurance firm) and the 3rd party claim will also cover lost of use of vehicles by you (Of course your friend also need to pre-pay the Rental firm for the daily amount of rental while the Verna is being repair -- Payment via cheque better and note down the cheque nos on the reeceipt BUT NOT in cash - the nos of days for the repair depends on Surveyor's finding after evaluation.

 

Not adviceable for private settlement for this case as the Verna don't belongs to your friend for this case. If need further asist, feel free to contact me.

 

(Note, i'm not insurance agent nor from any workshop but like all ordinary mototrists on the road ke yourself)

 

Last thing to note, pls ensure that your friend do have all relevant documents (For this incident) kept with himself for the next 3 yrs - 3 yrs better) & any payments MUST try to use cheques payments BUT NOT CASH nor VISA payments (NETS partially acceptable BUT MUST photo-copy it and keep well - As the NETS transaction slip will be blur after 1 to 2 months' time) and paytment of Insurance Access MUST be "Cross" cheque PAYABLE DIRECT TO SAID Verna INSURANCE FIRM with indication of the Verna's Insurance Policy nos at rear of your friend's cheque NOT payable to the Rental firm (To safe-guard in case the Retal firm either default in re-paying or won;t pay your freind in full after the case settlement or maybe the Rental firm may close-down by then)

Edited May 14, 2011 by Jefkking

[Neutrino]

A friend is coming to Singapore from Australia and he wants to hire a car but has been told that at 67 he is too old.

 

He wants to know if his missus hires the car, as she is under 60 years old, can he be the second driver, named or un named.

 

I told him I know fathers put their names down as the main driver to reduce the insurance on their kid's car and then their kids drive full time but I don't know how legal that is or how legal would be his idea of his wife being the main driver.

 

Any confirmation one way or the other.

[Bicolor]

Either way is not lawful nor advisable. Car rental insurance can be a sticky matter and the insurers might reject any liability if the driver is not a named hirer and/or does not meet the age or experience requirements.

 

If the insurers refuse any liability for an incident, the hirer will be liable to civil claims and might have to bear the full cost of repairs to the rental company's car, the third party's vehicle and any other legal or medical expenses.

Also, even if the insurance company doesn't get involved, some car rental companies have a clause in the fine print stating that they will make claims against the named hirer for breach of contract should an unnamed driver take over.

 

Try asking other companies. Although I am not sure which company allows drivers over 67 to drive and many cap the age limit at 65 to 67, I remember seeing one company's terms stating simply a higher excess for drivers aged over 65, so I suppose it would be possible.

[Staff69]

A friend is coming to Singapore from Australia and he wants to hire a car but has been told that at 67 he is too old.

 

He wants to know if his missus hires the car, as she is under 60 years old, can he be the second driver, named or un named.

 

I told him I know fathers put their names down as the main driver to reduce the insurance on their kid's car and then their kids drive full time but I don't know how legal that is or how legal would be his idea of his wife being the main driver.

 

Any confirmation one way or the other.

 

not being rude

 

but ask your friend to take taxi

 

if he bangs into someone or got into an accident

 

spend the monies and keep locals here safe from another hazzard

[Neutrino]

Just for info it was Hertz he was interested in and they don't allow rental to drivers over 60.

 

And I find that if you are Singaporean there is no age limit on insurance if you drive your own car.

 

 

[Carbon82]

First of all, rental car companies are very strict with their T&C, and they have clear rules on the driver qualifications (age, driving experience, medical conditions, etc.). Technically speaking, only the hirer is allowed to drive the car during the lease period, and if someone else has the intention to drive the car, he/she has to be named as 2nd driver and all prevailing T&C applies too (not forgeting there will be surcharge levied).

 

So there are no ways your friend can lease the car (from Hertz) and drive it in Singapore, since he is already "disqualified" due to age limit. Doing other things to by pass it will invite more trouble and risk (also to the general public, *touchwood* as in the event of an traffic accident, both the car rental company and insurer will NOT cover for the losses and claims arised).

 

Without doubting on your friend ability to drive (in Singapore), try looking for other car rental companies that allow driver of his age to drive the car is the safest way. Else if he still prfered to on his own (or be driven around in private), can consider chauffeur service.

[Galantspeedz]

Just for info it was Hertz he was interested in and they don't allow rental to drivers over 60.

 

And I find that if you are Singaporean there is no age limit on insurance if you drive your own car.

 

you mean there is age limit on car insurance for non singaporeans if they drive their own car?

[Neutrino]

 

Without doubting on your friend ability to drive (in Singapore), try looking for other car rental companies that allow driver of his age to drive the car is the safest way. Else if he still prfered to on his own (or be driven around in private), can consider chauffeur service.

 

Thanks for confirmation of what I thought.

 

But there are no reputable car rental companies in Singapore who will insure a 67 yo.

 

I wonder how many MCFers insure a car in their own name for their sons and daughters to drive because it is that much cheaper.

 

I definitely know one Singaporean who does it and judging from the work he does he really should know better.