Yet Another Subaru 2F2F accident

[Jayy25]

and do you know that if a modified car that fail to inform their insurance company about the modification

and suay suay the car hit your car

the insurance company can discharge themselves from paying the other parties

 

meaning you can only claim through civil suit to the driver

 

it was reported a few months ago in the papers.

 

I beg to differ....

 

if other ppl bang into you, say rear-end you or hit-and-run... what that got to do with mods (legal or illegal)....

 

Also, not all insurance companies ask for declaration of mod (so far i only know Aviva does)

 

Lastly.... if the undeclared car got into an accident (Like turn turtle or bang into a tree or car or skidded) then his/hers insurance surveyor will determine if your mods caused it. (normally, they will say its your mod fault so they wouldn't have to bear your damages)

 

Of course, if we feel unease or kiasi.... we can always be honest and bear it all out but be prepared to pay a much enormous insurance amount.

 

For me, my stand is clear... you ask then i declared if not I just act blur like a layman should be....

Edited February 8, 2011 by Jayy25

[Mllcg]

and do you know that if a modified car that fail to inform their insurance company about the modification

and suay suay the car hit your car

the insurance company can discharge themselves from paying the other parties

 

meaning you can only claim through civil suit to the driver

 

it was reported a few months ago in the papers.

 

I beg to differ....

 

if other ppl bang into you, say rear-end you or hit-and-run... what that got to do with mods (legal or illegal)....

 

Also, not all insurance companies ask for declaration of mod (so far i only know Aviva does)

 

Lastly.... if the undeclared car got into an accident (Like turn turtle or bang into a tree or car or skidded) then his/hers insurance surveyor will determine if your mods caused it. (normally, they will say its your mod fault so they wouldn't have to bear your damages)

 

Of course, if we feel unease or kiasi.... we can always be honest and bear it all out but be prepared to pay a much enormous insurance amount.

 

For me, my stand is clear... you ask then i declared if not I just act blur like a layman should be....

 

illegal mods how to declare?

[Aimnfire]

so if ppl bang your backside, u also lan lan?

 

 

I beg to differ....

 

if other ppl bang into you, say rear-end you or hit-and-run... what that got to do with mods (legal or illegal)....

 

Also, not all insurance companies ask for declaration of mod (so far i only know Aviva does)

 

Lastly.... if the undeclared car got into an accident (Like turn turtle or bang into a tree or car or skidded) then his/hers insurance surveyor will determine if your mods caused it. (normally, they will say its your mod fault so they wouldn't have to bear your damages)

 

Of course, if we feel unease or kiasi.... we can always be honest and bear it all out but be prepared to pay a much enormous insurance amount.

 

For me, my stand is clear... you ask then i declared if not I just act blur like a layman should be....

 

its the same as a drunk driver hit your car

remember you cannot claim against drunk driver BUT

he can claim against you if it deem that you cause the accident

 

a few years ago it was reported in paper that

this biker made a u-turn was bang by a drunk driver who have the right of way

the car also knock into another car

the other car try to claim insurance but was rejected as the driver was drunk

BUT the drunk driver claim insurance against the biker as the biker is at fault in the accident

 

fair?

[Walkingtree]

i did a claim recently , was being rear ended .did a 3rd party claim .

 

claimed

 

1) new cf boot

2)new tail lights

3)new exhaust guard

4)new bumper

5)new bumper skirting

6)new exhaust.

 

as for the exhaust , mine wasnt an approved model.so end up they replaced another non approved model for me. all the claims went thru.

Wah seh! Can meh? I thought they typically replace with stock parts only?

[Mllcg]

Wah seh! Can meh? I thought they typically replace with stock parts only?

 

stock CF? lol

[Walkingtree]

stock CF? lol

Sigh.. I remember my last claim long ago. OD claim. My alloy rims damaged, they replace me with stock steel rims. KNN :angry:

[Mllcg]

Sigh.. I remember my last claim long ago. OD claim. My alloy rims damaged, they replace me with stock steel rims. KNN :angry:

 

trade in the rims for alloy de lor.

[Walkingtree]

trade in the rims for alloy de lor.

Yep, that's wat i did eventually. But have to top up money.

[Rb26dett]

Wah seh! Can meh? I thought they typically replace with stock parts only?

 

 

erm at the event of the accident . i was already using the mentioned parts.

so they just replaced whatever damaged parts with what i was using initially.

eg . my rear varis boot cracked.so they took from st powered and replaced

the same original varis boot for me.

 

for the exhaust , the model already stopped production.

so they replaced with another aftermarket big brand exhaust.but wasnt an

approved model as the one i using wasnt approved as well.

Edited February 8, 2011 by Rb26dett

[Walkingtree]

erm at the event of the accident . i was already using the mentioned parts.

so they just replaced whatever damaged parts with what i was using initially.

 

for the exhaust , the model already stopped production.

so they replaced with another aftermarket big brand exhaust.but wasnt an

approved model as the one i using wasnt approved as well.

Precisely. I was using alloy rims already, but got compensated with steel rims. KNN.....

But that was 15 years ago lah... maybe now more liberal... but at the same time more calculative with mods? What am i saying???