Third Party Claim

[Qpik]

Just wondering...for those whose ride have gone through the above, have you successfully looked the claims that your workshop submitted to recover the costs back from the other party?

 

I was told that for such claim, the workshop normally only managed to recover 80 to 90% of costs incurred. I was puzzled cos who will run a money-losing business. So, I requested from my workshop and they do not allowed me to take a look quoting it as confidential .

I was like as what's so confidential since it involves my ride.

 

Any views/advice much appreciated.

 

 

[Eyke]

coz they inflate and fabricate repair items.

[Qpik]

i believe that is pretty common but by what astronomical amount...

 

the reason why i asked is because i've encountered an increase that is (astronomical to me cos my NCD is 50%) after a 3rd party claim was done against another party.

 

my insurance coy upon questioned claimed that it is the general increase which i don't buy the story.

 

imo, if only we are allowed to scrutinize the bills, then we might hv a chance to nip the rapid increase of insurance premium that the coy are passing onto us.

[Icekitten]

coz they inflate and fabricate repair items.

 

Which in turn is caused by insurers trying to reduce the payout to unrealistic amounts?

 

Now we know who is really causing insurance costs to rise...

[Icekitten]

i believe that is pretty common but by what astronomical amount...

 

the reason why i asked is because i've encountered an increase that is (astronomical to me cos my NCD is 50%) after a 3rd party claim was done against another party.

 

my insurance coy upon questioned claimed that it is the general increase which i don't buy the story.

 

imo, if only we are allowed to scrutinize the bills, then we might hv a chance to nip the rapid increase of insurance premium that the coy are passing onto us.

 

 

Just curious...you did a 3rd party claim against another party... So why is ur premium being raised?

 

Shouldn't it not be affected since you are not claiming your own insurance?

[SimonTan]

If do third party claim, premiums still increase, then the whole point of buying insurance is fruitless.

No wonder drivers drives carelessly nowadays. Whats the point of claiming from other part or claiming from own insurance....very small differences.

 

[Dragonl]

Nowadays it doesn't matter, as long as there is claim the coy just increase yr premium.

[Icekitten]

Are u sure....

 

I claimed another party last yr in an accident. Premium did not go up atrociously... Seemed more like a typical increase-every-yr-despite-ncd-increase...

 

How can it be fair to penalise drivers for other's wrongdoing??

[Icekitten]

I think even 80-90% payout is near impossible.

 

The workshop which handled my third party claim in a 100% win head collision case only managed to settle at only 65% of original bill. Case dragged on nearly a yr coz of insurance refusal to pay. Other party was a COE car...

 

If insurers adopt such attitude, no wonder it becomes like a Mark-up-then-discount situation...

[Jeffreyongsg]

Hi,

I got side swipe by Taxi and it hit a Van backside after and then curb of the expressway and it stopped.

All three cars stopped at the side road and i even help to call ambulance for the Taxi Driver who seems dazed.

 

Taxi's passenger was alighted and when no one is looking, the taxi driver closed door and drove off.

Got video of the accident and photos - submitted to TP and lodge with assigned workshop.

 

The taxi driver's TP report, he say he picked a passenger heading to town and along CTE he doze off.

He did not aware what happen and by time he woke up he at Toa Payoh  and Taxi damage and he called for tow. He was asked to go TP as there was a report lodge saying he was involve in accident.

 

My car was not repaired for good 3 mths until I got the TP report say they charging the Taxi Driver now for careless driving and failure to stop at accident.

 

Now waiting for workshop to confirm with taxi insurer.. - already got car survey during the wait for TP report.

 

Just like to check at this point, will my odds of winning the case 100%? as TP report is just a 2 liner  saying abt the charge for careless driving and fail to stop at accident.

 

My car is just 2 yrs, can i request to paint the whole car as the damage at bumper and side of the door rusted liao since not repaired.

 

Just getting some feedback from the experts here.

 

[Campbell]

Hi Jeffreyyongsg,

 

You car is 2yrs old better then mine. My 2 weeks car was hit by a lorry parked at the double yellow line outside my workshop. While I was turning out from the workshop after 1k servicing, the lorry suddenly reversed and hit my side near the rear part around the wheel. Now car in workshop and till now still don't know the cost for repair. Just wondering will the workshop let me know the cost of the repair.

 

The Indian driver boss spoken to me through phone (he is just upstairs but never come down) and asked me to report to my insurance and make a claim. He asked his driver to sign on a simple note saying he reverse and hit my car.

 

Just hope no issue with my claim 

[ER-3682]

Hi,

I got side swipe by Taxi and it hit a Van backside after and then curb of the expressway and it stopped.

All three cars stopped at the side road and i even help to call ambulance for the Taxi Driver who seems dazed.

 

Taxi's passenger was alighted and when no one is looking, the taxi driver closed door and drove off.

Got video of the accident and photos - submitted to TP and lodge with assigned workshop.

 

The taxi driver's TP report, he say he picked a passenger heading to town and along CTE he doze off.

He did not aware what happen and by time he woke up he at Toa Payoh  and Taxi damage and he called for tow. He was asked to go TP as there was a report lodge saying he was involve in accident.

 

My car was not repaired for good 3 mths until I got the TP report say they charging the Taxi Driver now for careless driving and failure to stop at accident.

 

Now waiting for workshop to confirm with taxi insurer.. - already got car survey during the wait for TP report.

 

Just like to check at this point, will my odds of winning the case 100%? as TP report is just a 2 liner  saying abt the charge for careless driving and fail to stop at accident.

 

My car is just 2 yrs, can i request to paint the whole car as the damage at bumper and side of the door rusted liao since not repaired.

 

Just getting some feedback from the experts here.

Depends on your Workshop...

[CarsAndMe]

Depends on your Workshop...

Usually won't take so long for the repair for commence.

Previously for mine, I had concrete evidence showing the fault of the other party. Repair works done at AD though, I requested for the entire car to be resprayed citing that if they respray one panel, the color will be different. Sometimes it is better not to be a gentleman when talking to the surveyor. Must insist for things that you are entitled for.

[Jeffreyongsg]

Usually won't take so long for the repair for commence.

Previously for mine, I had concrete evidence showing the fault of the other party. Repair works done at AD though, I requested for the entire car to be resprayed citing that if they respray one panel, the color will be different. Sometimes it is better not to be a gentleman when talking to the surveyor. Must insist for things that you are entitled for.

 

The third party surveyor already seen my car 2 mths back but repairs is not done as they insist of having the police report outcome.

 

I just wonder how can I push for what I want? just tell the workshop? 

 

Since the taxi driver is charge for careless driving and also failure to stop at accident, issit clear that 100% this case is taxi fault?

Vids and pics already with workshop and third party insurer.

 

Thanks.

[ER-3682]

Taxi Insurer are the worst,last time my Mazda got crashed from behind,the taxi's Insurance company refused to pay up,end up i used the Workshop's loan car for 21 days.....for a damage that just take 3 days to repair.

[CarsAndMe]

The third party surveyor already seen my car 2 mths back but repairs is not done as they insist of having the police report outcome.

 

I just wonder how can I push for what I want? just tell the workshop?

 

Since the taxi driver is charge for careless driving and also failure to stop at accident, issit clear that 100% this case is taxi fault?

Vids and pics already with workshop and third party insurer.

 

Thanks.

What is the accident scenario? Any evidence? Push your insurance co, workshop is as helpless as you Edited February 12, 2017 by CarsAndMe

[Sci10213]

What is the accident scenario? Any evidence? Push your insurance co, workshop is as helpless as you

 

He is claiming the other party's insurance, not his own insurance.... no point pushing his own insurance co who is not involved unless he claims first party.