Yuhsuan Neutral Newbie October 27, 2009 Share October 27, 2009 What are you disappointed with? In order to be disappointed, you must first have some expectation. What was your expectation of me inthefirst place? Do you even know me? What am I trying to tell the people here? That sometimes doing the right time will not help yourself. Is that simple enough for you? When I called the police, I did not know about the situation with drunk driving+insurance claims. If I did, I might/would have took a different course of action. Does sharing my experience here with the aim of educating the fellow forumers here offend you? As for taking legal action, I AM initiating legal proceedings agains the other party. But do you think it is THAT easy? Just because Court rules that he has to pay me means that He will REALLY pay me?? Are you that naive? Perhaps for you, initiating a civil suit like going to the supermarket to pick groceries. For the rest of us, it is very different. ↡ Advertisement Link to post Share on other sites More sharing options...
Yuhsuan Neutral Newbie October 27, 2009 Share October 27, 2009 That is not what my insurance co says. Initially, that was what I thought as well. However, the insurance co person said very clearly to me: You have to claim your own damage. We only deal with the insurance company of the other party,and it isconfirm that they will not pay.(implied: if they are not going to pay, we are not going to waste our time talking to them) They also added: We don't deal with individuals. If you want to claim from him, you have to hire your own lawyer to sue him. Link to post Share on other sites More sharing options...
Darryn Turbocharged October 27, 2009 Share October 27, 2009 Just want to add the discussion: Last week I was hit in the early morning by a drunk driver. My car stopped at a red light, and he just smashed into the back of my car. I got knocked, and hit my head and shin. Got out of the car in pain, talked to the other party, smelled alcohol in his breath. As I was in pain, I called the ambulance, and the police came as well. At that point in time, I did not know about the drunk driver insurance situation. Ambulance came, CD checked me out, checked the other guy out and found him drunk, detained him until TP came,then send me to hospital. When I came out of hospital, TP inform me that the other party will be charged for drunk driving in court next month. Here is the FU*K-UP part: I now have to claim against my own insurance, pay excess amount, rent a car out of my own pocket because my insurance co, workshop all REFUSE to attempt any third party claim. According to them, it is 100% confirmed that the other insurance co will not pay a single cent. So if I want my car repaired quickly, I must claim own damage. The estimated repair (told to me bythe workshop) is about $12000. Now I have to look for a lawyer myself to sue this guy for damages. All my insurance co is interested in is to convince me to claim own damage so that they can settle the case quickly. They refuse to get involve in the legal aspect of this and told me that I have to hire my own lawyer. In short: The insurance co is simply NOT INTERESTED in helping their customer, all they do is to look after their own interest Moral of the story: If you get hit by a drunk driver, do not call the police. You stand to gain nothing. In actual fact you have two options: 1. Claim your insurance for the repairs, and your hospital costs. You then will be assigning to them the "right" to go and claim against the actual at fault driver - at their own discretion and business decision 2. Don't claim your insurance and take your chances by claiming against the other driver. Of course his insurance company deny claim - he was in contravention of his agreement. So you would have to make your own evaluation of risk here as to whether is worth it or not. I would also issue you cautionary note, now that you insurance company knows about the accident, they may increase rates anyway. As part of a broader discussion - it would be great to see a mechanism put in place that prohibits insurance company from reducing NCB if I am not at fault. Link to post Share on other sites More sharing options...
Gearoil 1st Gear October 27, 2009 Share October 27, 2009 What are you disappointed with? In order to be disappointed, you must first have some expectation. What was your expectation of me inthefirst place? Do you even know me? What am I trying to tell the people here? That sometimes doing the right time will not help yourself. Is that simple enough for you? When I called the police, I did not know about the situation with drunk driving+insurance claims. If I did, I might/would have took a different course of action. Does sharing my experience here with the aim of educating the fellow forumers here offend you? As for taking legal action, I AM initiating legal proceedings agains the other party. But do you think it is THAT easy? Just because Court rules that he has to pay me means that He will REALLY pay me?? Are you that naive? Perhaps for you, initiating a civil suit like going to the supermarket to pick groceries. For the rest of us, it is very different. Then what is your problem here that you need to post to 'eDuATE FORUMERS' HERE is it? You seem to be so petty and cash tight that you are NOT sitting cooly to let matters run it'e course. Damn typical Sinkie. The matter will be settled, with you claiming your just dues in the end. If not, you get orders to writ on the bugger and seize whatever assets he has ( including that vehicle in which he banged onto you) and if not fully settled, you bankrupt him. Simple. ================================================================= Take one rascal out of the societal circle, beats doing a million good deeds for the unfortunate. Link to post Share on other sites More sharing options...
Kb27 Supersonic October 27, 2009 Share October 27, 2009 I just spoke to a friend who got the same problem with drunk driver. Next time, if you encounter an accident with a drunk driver. Just take down the licence plate and ask him to move away. Report to police that it's a hit and run. You get your accident claim. The other driver get away with drunk driving. Such is the state of our insurance situation. Link to post Share on other sites More sharing options...
Darryn Turbocharged October 27, 2009 Share October 27, 2009 I just spoke to a friend who got the same problem with drunk driver. Next time, if you encounter an accident with a drunk driver. Just take down the licence plate and ask him to move away. Report to police that it's a hit and run. You get your accident claim. The other driver get away with drunk driving. Such is the state of our insurance situation. Why would you want to report hit and run? Do that you still have to claim insurance right? If drunk driver your insurance company still pay you, but then pursue claim against the other fellah. Don't aide and abet drunk driving, like that you deserve not to be paid and deserve to have it come back and bite you. If you break the spirit and letter of the law this way what do you think will happen to you if you get found out? And getting found out is easier than you think. Say you do report hit and run - police find other driver, and he denies running? Then how? Link to post Share on other sites More sharing options...
MrFlax Neutral Newbie October 27, 2009 Share October 27, 2009 The matter will be settled, with you claiming your just dues in the end. If not, you get orders to writ on the bugger and seize whatever assets he has ( including that vehicle in which he banged onto you) and if not fully settled, you bankrupt him. Simple. ================================================================= Take one rascal out of the societal circle, beats doing a million good deeds for the unfortunate. what if that guy is already a bankrupt and with no intention of discharging his bankruptcy? Link to post Share on other sites More sharing options...
MrFlax Neutral Newbie October 27, 2009 Share October 27, 2009 Why would you want to report hit and run? Do that you still have to claim insurance right? If drunk driver your insurance company still pay you, but then pursue claim against the other fellah. Don't aide and abet drunk driving, like that you deserve not to be paid and deserve to have it come back and bite you. If you break the spirit and letter of the law this way what do you think will happen to you if you get found out? And getting found out is easier than you think. Say you do report hit and run - police find other driver, and he denies running? Then how? agreed there, i think it would be very unwise to report hit and run instead. Link to post Share on other sites More sharing options...
Tigershark1976 Turbocharged October 27, 2009 Share October 27, 2009 get money on the spot and sign black & white....else call police for drunk driving if he prefer to part with his license... thats what i will do also, if the person is not cooporative, threaten him to call police and tell him that he will lost his license if he was found drinking and involved in the accident.Ask for a black and white on the spot and follow him to the nearest ATM to withraw money. Link to post Share on other sites More sharing options...
Wave_rider Neutral Newbie October 27, 2009 Share October 27, 2009 If NO injuries, just exchange particulars, tell him you will make a claim against him within the next 24 hrs and move off. Reporting to Police abt drink driving is morally correct but i will hurt my pocket financially cos Ins will refuse all claims. Link to post Share on other sites More sharing options...
Caldina 1st Gear October 27, 2009 Share October 27, 2009 When involving in an accident with someone who is suspected drunk, do not report police if you want to claim from his insurance. If you want to report police and he/she is found to be drunk, you cannot claim from his insurance. You can only claim from him. If he is bankrupt or has no $ to pay you, then too bad. Unless you are loaded and wanted to see him/her go to jail. Link to post Share on other sites More sharing options...
Maz0608 3rd Gear October 27, 2009 Share October 27, 2009 Remember many years back, made an illegal U-turn to pick up my gf (now my wife) at the opposite side of the road and bang onto a taxi. I was really drunk that time and the taxi driver was kind enough to let me off with just paying for the damage to his vehicle. If not my license sure kenna kantong one as I have just got it. I have since learn not to drink and drive from the incident. Link to post Share on other sites More sharing options...
Yuhsuan Neutral Newbie October 27, 2009 Share October 27, 2009 (edited) Petty? yes, I'll admit that if someone crashes into my car has causes $12000 damage which I have to FIRST pay for, yes, I am petty that I will get angry and frustrated. Perhaps YOU are different, well, good for you, you win. Cash-tight? yes, I'll admit that for NOTHING, through NO FAULT of mine, I must pay $1000 in insurance excess and another $1000+ for a rental car for 3 weeks, and another $300 for medical, yes I am cash-tight that I get upset over the $3K expenses that I need to cough up for absolutely nothing. Perhaps you are rich and $3K means nothing to you, well, good for you, you win again. You say: The matter will be settled, with you claiming your just dues in the end. Are you sure??? Can you give me a guarantee on this? Are you so confident? Which lawyer are you using? Please pass me the contact. THREE lawyers that I spoke to have said thisin unison: ONLY the medical expenses and injuries are confirmed recoverable (because the other party's insurance is still liable for this). If the guy has no money, no job and simply refuses to pay, do you honestly think it is so simple to just sit there in court and wail to the judge and demand that you get your money? Do you know that in order to make someone a bankrupt will cost $5K in legal fees? Are you so simple-minded that you think that you can just march into the guy's house and start taking away his TV, hifi, fridge etc and sell them at cashconverters because the court says that he owes you money?? Mr Flamebait, please think before your itchy fingers hit the keyboard for your reply. Edited October 27, 2009 by Yuhsuan Link to post Share on other sites More sharing options...
Panda Neutral Newbie October 27, 2009 Share October 27, 2009 Moral of the story: If you get hit by a drunk driver, do not call the police. You stand to gain nothing. Thanks for a real-life example. Indeed that may be the moral that people learn from such facts. In the bigger picture, such a social system breeds norms (that is to avoid police involvement in drunk driving accidents), which over time evolves into cultures. I am alarmed at such contradictions, where on one hand we are focused on sober driving and social responsibilities, but in reality policies encourage cover-ups on minor drink-driving accidents. Until such a day when the perpetrator causes a big accident, that is. Insurance firms are private profit-taking agencies. How can we expect any moral obligation on their part until the laws have been legislated otherwise? Link to post Share on other sites More sharing options...
Yuhsuan Neutral Newbie October 27, 2009 Share October 27, 2009 In the past week, I have learnt that all the parties involved: Insurance co, motorworkshop, lawyers, everyone looks out only for their own interest. You would think that because you pay your hard-earned money for insurance, the insurance co should try their best to help you. No, they try their best to help themselves. ("You want your car repaired? Please claim own damage first ") Private profit-taking agencies? Well-said Link to post Share on other sites More sharing options...
Tonyhawk 1st Gear October 27, 2009 Share October 27, 2009 Thanks for a real-life example. Indeed that may be the moral that people learn from such facts. In the bigger picture, such a social system breeds norms (that is to avoid police involvement in drunk driving accidents), which over time evolves into cultures. I am alarmed at such contradictions, where on one hand we are focused on sober driving and social responsibilities, but in reality policies encourage cover-ups on minor drink-driving accidents. Until such a day when the perpetrator causes a big accident, that is. Insurance firms are private profit-taking agencies. How can we expect any moral obligation on their part until the laws have been legislated otherwise? if you legislate protection for drink driving, premiums will go up again. and we get that endless debate on WHY i should pay the increased premiums when im a law abiding citizen? my opinion, get rid of the root cause, drink drivers should gth. first timer - fine plus revocation fair enough. you get one chance. second timer - life time ban, 10 years jail. seriously, the 2 week norm is rubbish. you already got your chance. Link to post Share on other sites More sharing options...
Mustank Hypersonic October 27, 2009 Share October 27, 2009 for me, moral or no moral, i am protecting my family first. good thing i drive a truck. Link to post Share on other sites More sharing options...
Kb27 Supersonic October 27, 2009 Share October 27, 2009 Well, maybe not hit and run. If he's sober enough, you can tell him the consequences of calling the police and he can agree to your insurance claims against him and moved off. If it's your high moral standard at risks here, then by all means call the police. You won't get a cent as his insurance does not cover drunk driving. That's a fact. If you want to get rid of all drunk drivers, you can always standby at karoake, night clubs and bars outlet. Report police of everyone you smell alcohol and gets behind a driver's wheel. Your choice. ↡ Advertisement Link to post Share on other sites More sharing options...
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