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What if.....accident with drink driver

Kallangrally

By Kallangrally,
in General Car Discussion

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Kallangrally

Kallangrally

Neutral Newbie

 

dear all, I like to know wat will u do if u (touch wood) minor accident with a drink driver? let's say the fellow is in wrong, will u report insurance or private settle with him? becos the insurance will not pay in this case and u have to private legal sue the fellow....any bros in this situation before? [gossip]

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Lex250

Lex250

Clutched

dear all, I like to know wat will u do if u (touch wood) minor accident with a drink driver? let's say the fellow is in wrong, will u report insurance or private settle with him? becos the insurance will not pay in this case and u have to private legal sue the fellow....any bros in this situation before? [gossip]

 

 

Why u let him drive away??? Call police on scene to estb his alcohol content, if not you got no basis to claim he was rechincally 'drunk'

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Rickster

Rickster

5th Gear

My advice. Since it is minor (scrach or slight dent), if can settle, settle on the spot in cash. [thumbsup]

 

Try not to claim from his insurance if it is not a clear cut case. If he dispute (he will not say he is drunk), it will be a very time consuming affair. [shakehead]

 

In the event that you want to report him as drink driving, then you can also be sure that his insurance will not pay a single cent as they do not cover drink driving. [shakehead][furious]

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Metalsubzero

Metalsubzero

Clutched

I think if you called police, than sure cannot claim liao if he's verified to exceed the legal limit of alcohol content in his blood..

 

It really is a tough decision to call.. On one hand, you don't want that idiot to get away scot free for drink driving, but on the other, u can't claim should u decide to report against him..

 

If I were in this situation, I would cal the police bah and proceed with a civil claim for my car's damage against him since I'll nt be able to claim against his insurance..

 

Can we even claim against our insurance??

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Mcf777

Mcf777

Turbocharged

use your mobile to video the whole process.

settle the money issue on the spot or ask him to write a idenmity letter to admit 100% liability on the accident.

If not, call police and forgo all your claim and pay from yr own pocket.

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Rickster

Rickster

5th Gear

why insuracnce will not pay???

 

Insurance definately will not pay a single cent if the driver is drunk.

 

My late colleague died in his WRX when it crashed into the bridge pillar outside vivocity after clubbing 2 yrs ago.

 

His case was established as drink driving. Insurance refuse to pay a single cent.

 

His single-mother (no income) & still studying teenage brother gotta settle the outstanding car loan on his behalf [shakehead] [shakehead] [shakehead]

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Rickster

Rickster

5th Gear

I think if you called police, than sure cannot claim liao if he's verified to exceed the legal limit of alcohol content in his blood..

 

It really is a tough decision to call.. On one hand, you don't want that idiot to get away scot free for drink driving, but on the other, u can't claim should u decide to report against him..

 

If I were in this situation, I would cal the police bah and proceed with a civil claim for my car's damage against him since I'll nt be able to claim against his insurance..

 

Can we even claim against our insurance??

 

Of course you can claim against your own insurance... NCD gone only lor [grin]

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JumpySpeedFiend

JumpySpeedFiend

2nd Gear

Stand to be corrected, but insurance should pay for the 3rd party claim and reject the drunk driver own claim.

 

As long as your car is damage by someone else who is at fault, you have all the right to claim, regardless the person is reckless, blur, or drunk when he caused the accident.

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Kallangrally

Kallangrally

Neutral Newbie
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Stand to be corrected, but insurance should pay for the 3rd party claim and reject the drunk driver own claim.

 

As long as your car is damage by someone else who is at fault, you have all the right to claim, regardless the person is reckless, blur, or drunk when he caused the accident.

 

bro, u sure about that? my understanding is insurer will not entertain 3 party claims as well, the victim will have to file private legal suit against the drink driver to claim... [sweatdrop]

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Turbonetics

Turbonetics

2nd Gear

dear all, I like to know wat will u do if u (touch wood) minor accident with a drink driver? let's say the fellow is in wrong, will u report insurance or private settle with him? becos the insurance will not pay in this case and u have to private legal sue the fellow....any bros in this situation before? [gossip]

 

 

insurance won't conver.

so its better to go for private settlement.

otherwise report him to police and claim him also can.

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Thestig

Thestig

Clutched

All cars in Singapore have at least 3rd party claim for this specific case. This is too huge a loophole not to be plugged.

 

So even if a car thief steals a car (Not covered by insurance) and decides to ram the car into 100+ luxury cars in the process, does that mean that no one can claim from this?

 

The better question is what if someone steals a car from a showroom (not test drive model) that has no insurance at all, and then causes an accident. What then? Civil suit.. I presume.

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Turbonetics

Turbonetics

2nd Gear

Stand to be corrected, but insurance should pay for the 3rd party claim and reject the drunk driver own claim.

 

As long as your car is damage by someone else who is at fault, you have all the right to claim, regardless the person is reckless, blur, or drunk when he caused the accident.

 

 

nope.

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Aimnfire

Aimnfire

4th Gear

ok heres how our beloved insurance work on drunk drivers/riders

 

drunk driver bang into u (drunk driver causes the accident)...................u really lan lan cannot claim into his insurance

 

BUT

 

if you bang into drunk driver vehicle (you cause the accident)..........the drunk drivers can claim damage on your insurance;p

 

there was a report in TNP a few mths back where the rider was making a u-turn when this drunk driver bang into him immediately after the rider made a u turn...........although the driver was convict of drink driving, he still can claim his car damage by the bike as his insurance deem that the rider did not give way/check properly before making u turn.

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