First accident. What is the protocol?

[Leslielai]

Got into an accident with another SG-registered vehicle at the Malaysian customs.

 

Was told to lodge a police report, which I did. The IO, without much investigations, determined that it was my fault and that I had to pay a RM 300 fine. Managed to bring it down to RM200.

 

Now the thing is, I am not a listed driver for my car as far as the insurance records are concerned.

 

How do I go about this?

 

 

[Leslielai]

It was a case of 50-50 in my opinion but from what my friends told me, it was my fault if insurance is involved because he had the right of way.

 

I have told the other party to go to his own workshop to assess the damage. I will determine then if I would want to privately settle it or let him claim my insurance. However, this would mean that I am probably unable to lodge this with the insurance company within the 24-hour window.

 

How should I go about this then?

[0wnage]

You have to report the accident to your insurance within the 24-hour time frame. This is regardless whether you're settling privately or leaving it to the insurance co to settle.

[Vextan]

Got into an accident with another SG-registered vehicle at the Malaysian customs.

 

Was told to lodge a police report, which I did. The IO, without much investigations, determined that it was my fault and that I had to pay a RM 300 fine. Managed to bring it down to RM200.

 

Now the thing is, I am not a listed driver for my car as far as the insurance records are concerned.

 

How do I go about this?

Did you receive an official receipt for the 'fine', just curious and you know what I mean ? And I suspect the other driver also got fined as well.

 

If the car insurance covers any driver then can be claimed, but if only limited to named drivers then cannot. And if cannot then better settle privately, else the total claim amount can become very huge even if for a minor accident. Actually one should not drive a car if the insurance doesnt cover the driver or any driver. Insurance company can deny liabilityy and also the driver can be charged for driving without insurance coverage. That is, if the car insurance doesnt cover the driver.

Edited October 28, 2012 by Vextan

[macrosszero]

Got into an accident with another SG-registered vehicle at the Malaysian customs.

 

Was told to lodge a police report, which I did. The IO, without much investigations, determined that it was my fault and that I had to pay a RM 300 fine. Managed to bring it down to RM200.

 

Now the thing is, I am not a listed driver for my car as far as the insurance records are concerned.

 

How do I go about this?

 

If the other party is on MCF or someone tells him about your situation, he has you by the balls - as you may become personally liable for the full extent damage. The insurer for the car that you were driving can "repudiate" coverage as you were not authorized to drive the car, hence nullifying their coverage. Had you been the named driver or authorized driver, the extent of your liability is limited to paying the excess and taking subsequent insurance rate increases on the chin.

 

Good luck and I gotta say you better eat humble pie and fix the other party's car up to his satisfaction. All factors point to you being in the wrong and on the short end of the stick

[Lanevomax]

Got into an accident with another SG-registered vehicle at the Malaysian customs.

 

Was told to lodge a police report, which I did. The IO, without much investigations, determined that it was my fault and that I had to pay a RM 300 fine. Managed to bring it down to RM200.

 

Now the thing is, I am not a listed driver for my car as far as the insurance records are concerned.

 

How do I go about this?

 

that is very stupid , to pay money at malaysia when you accident with a SG car.

[Souma]

You u Boleh land then if u refuse to pay, Wat will happened to u?

 

Can imagine ts damn sian Liao kena accident and officials claim "kopi" money...