Accident claim

[Eric76]

Hi guys yesterday went into one accident after my 5 yrs of clean record, some kayu driver ram me from behind when i was slowing down to side lane, so i suppose the other party should be 100% fault. Since got no experience on such matters, wanna check with laojiao here for some advice, firstly below are what i did after the accident,

1. both of us pull the cars to road side as both car still can drive and it's on e-way
2. i called the insurance inform the accident
3. exchange particulars and take photos, there's no witnesses
4. as there's no injury, all drive back home as told by insurance
5. today insurance send one agent to check the condition and fill some form

but the tricky thing come now is the so call agent from insurance company told me no need to send my car to authorize shop but to his recommended work shop, and the ws will settle for me every thing to claim the other party, plus provide me a spare car. so is it safe to send car to the so call recommended ws instead of authorized shop? any risk in doing all the above to my insurance, tks all for the help... Edited September 22, 2013 by Eric76

[Blackyv]

Hi guys yesterday went into one accident after my 5 yrs of clean record, some kayu driver ram me from behind when i was slowing down to side lane, so i suppose the other party should be 100% fault. Since got no experience on such matters, wanna check with laojiao here for some advice, firstly below are what i did after the accident,

1. both of us pull the cars to road side as both car still can drive and it's on e-way
2. i called the insurance inform the accident
3. exchange particulars and take photos, there's no witnesses
4. as there's no injury, all drive back home as told by insurance
5. today insurance send one agent to check the condition and fill some form

but the tricky thing come now is the so call agent from insurance company told me no need to send my car to authorize shop but to his recommended work shop, and the ws will settle for me every thing to claim the other party, plus provide me a spare car. so is it safe to send car to the so call recommended ws instead of authorized shop? any risk in doing all the above to my insurance, tks all for the help...

 

 

Since you would be claiming the other party 100%, any ws will do, you only go back to your insurer authorized ws if you are self claiming....

[Aimnfire]

there are no such thing as 100% fault

you got to take some liability maybe less than 20%

[Eric76]

there are no such thing as 100% fault

you got to take some liability maybe less than 20%

 

But i was doing nothing wrong by exiting the expressway and he just bang me from behind why should i take 20%? got DVR recordig also

[2BDriver]

But i was doing nothing wrong by exiting the expressway and he just bang me from behind why should i take 20%? got DVR recordig also

Don't bother what he says, I was hit once on the rear and send my car to Bradell Rd ComfortDelgro Workshop proceeded 100% Full Claimed, not even S$0.01 from my part.

[Forhod]

but the tricky thing come now is the so call agent from insurance company told me no need to send my car to authorize shop but to his recommended work shop, and the ws will settle for me every thing to claim the other party, plus provide me a spare car. so is it safe to send car to the so call recommended ws instead of authorized shop? any risk in doing all the above to my insurance, tks all for the help...

 

Because the agent gets commission from the w/s if you do a claim thru his recommended workshop.

[Remierwan]

Hi guys yesterday went into one accident after my 5 yrs of clean record, some kayu driver ram me from behind when i was slowing down to side lane, so i suppose the other party should be 100% fault. Since got no experience on such matters, wanna check with laojiao here for some advice, firstly below are what i did after the accident,

1. both of us pull the cars to road side as both car still can drive and it's on e-way
2. i called the insurance inform the accident
3. exchange particulars and take photos, there's no witnesses
4. as there's no injury, all drive back home as told by insurance
5. today insurance send one agent to check the condition and fill some form

but the tricky thing come now is the so call agent from insurance company told me no need to send my car to authorize shop but to his recommended work shop, and the ws will settle for me every thing to claim the other party, plus provide me a spare car. so is it safe to send car to the so call recommended ws instead of authorized shop? any risk in doing all the above to my insurance, tks all for the help...

 

Depends on your insurance. Some insurance company only allows you to go to their approved workshop. You can still send to your preferred workshop but the process could be a little longer. Anyway, you wont get to see the billing as it is all being done back-end.

 

Its should be 100% claimable since the other party was at fault. As long as you can picture, particulars, just proceed to submit the report.

If you trust his ws, go ahead. But I have been involved with 3 hit from rear and 1 from the front(taxi reversed into me at the entrance of my office) all party insisted that I go to their ws.

 

1st accident - The workmanship is slow and bad. In the end, I had to redo and the guy paid partially only since it was my decision to pull out.

 

2nd accident - Taxi reversed into my dad's new Honda Edix. He thought he cannot enter my office premise and reversed into me without checking. He die die said nothing is wrong. Bumper bounced back. Insist that I go to his workshop. Workshop say nothing wrong. Only spray a bit okay. I make report and took it to my workshop. They open up the bumper and the metal holding the bumper was dented. (Quite bad). The worst part, after I report, the taxi reported that I ram into his rear. Luckily my office security guard saw the whole incident(and record into his log book). Ordered new bumper and metal part from Japan. Cost 2.5k just for that part.

 

3rd accident - Taxi followed me closely and hit my rear as I was about to turned into my office. (Always kena near office. By the way, this is another company that I work in.) Same thing, he die die say no damage. I just take picture, find the drivers near there as witness, take his licence - make report and send repair at my own workshop. No fuss. All claimed. (Didnt even take his name/ particulars due to his attitude)

 

4th accident - Going to work along Bartley going into lornie. A lady driver whack my rear. There was a massive jam and she tailgated me too close. Just a slight dent and she said she was in a hurry to send her daughter to school. She apologised. Luckily, I was about to get my new car. I told her to be careful and let her off. =P

 

Just sharing my experience. I am sure that you should be able to repair and claim smoothly. Rule of the thumb is that do not take advantage of the situation. (Make sure its genuine) I have friends who are waiting to get hit in the rear so that they can call ambulance, claim medical, claim taxi fare, claim spare vehicle, loss of income and repairs + new paintjob and I despise this kind of people!

[Carnoob]

Hi guys yesterday went into one accident after my 5 yrs of clean record, some kayu driver ram me from behind when i was slowing down to side lane, so i suppose the other party should be 100% fault. Since got no experience on such matters, wanna check with laojiao here for some advice, firstly below are what i did after the accident,

1. both of us pull the cars to road side as both car still can drive and it's on e-way
2. i called the insurance inform the accident
3. exchange particulars and take photos, there's no witnesses
4. as there's no injury, all drive back home as told by insurance
5. today insurance send one agent to check the condition and fill some form

but the tricky thing come now is the so call agent from insurance company told me no need to send my car to authorize shop but to his recommended work shop, and the ws will settle for me every thing to claim the other party, plus provide me a spare car. so is it safe to send car to the so call recommended ws instead of authorized shop? any risk in doing all the above to my insurance, tks all for the help...

 

Since it is 3rd party claims, no need to depend on your insurance. Go to any authorized reporting centre, report the accident and insist on 3rd party claims. Don't compromise.

 

You can go to any workshop to do repair because it is not paid by your insurance. You can even go AD for repair.

Edited September 23, 2013 by Carnoob

[Chickenfarm]

Hi guys yesterday went into one accident after my 5 yrs of clean record, some kayu driver ram me from behind when i was slowing down to side lane, so i suppose the other party should be 100% fault. Since got no experience on such matters, wanna check with laojiao here for some advice, firstly below are what i did after the accident,

1. both of us pull the cars to road side as both car still can drive and it's on e-way
2. i called the insurance inform the accident
3. exchange particulars and take photos, there's no witnesses
4. as there's no injury, all drive back home as told by insurance
5. today insurance send one agent to check the condition and fill some form

but the tricky thing come now is the so call agent from insurance company told me no need to send my car to authorize shop but to his recommended work shop, and the ws will settle for me every thing to claim the other party, plus provide me a spare car. so is it safe to send car to the so call recommended ws instead of authorized shop? any risk in doing all the above to my insurance, tks all for the help...

 

Workshop will settle all paperworks

[SGCMmadman]

was rear ended last november by a bus while i was stationary at traffic light, insurance advised to go to authorised workshop but ended up having my ass rear ended by authorised workshop. since was 100% 3rd party claim, insurance washed their hands and spent alot time going up n down to settle matters because workshop were big time a%^holes.

 

made me wait 9 days for replacement car because in their words, surveyor was very busy, advised to take taxi and claim with receipts.... in the end collected replacement car and was told cant claim taxifares because given replacement car... wth...... car spent 17 days in workshop and had to spent 1k out of own pocket to repair brake cyclinders and suspension.

 

found out authorised workshop was also authorised workshop for the other party's insurance company, to protect their interest, workshop screwed me so ended up getting lawyer and now everything handled by lawyers. protect yourself 1st by seeking legal advise because doesnt mean playing safe and going to authorised workshop for 100% 3rd party claims will be in your best interest sometimes. Good luck bro and hope your claims and repair, will be done smoothly.

[SGCMmadman]

good advise bro, if only i knew that when accident happened, was badly shaken after accident and my elder bro came down and he took advise from my insurance company.

[Aimnfire]

But i was doing nothing wrong by exiting the expressway and he just bang me from behind why should i take 20%? got DVR recordig also

 

because in insurance

if you are not there then accident wont happen

thats why u still will be liability but at certain percentage

as long less than 20% liability you win all

[Nzy]

because in insurance

if you are not there then accident wont happen

thats why u still will be liability but at certain percentage

as long less than 20% liability you win all

 

Really? Maybe they changed already. Previously my dad got rear ended and 100% liability on the other guy. He rear ended my dad cuz my dad stopped at the filter lane cuz he noticed a bicycle coming.

[Eric76]

the ws sent me one replacement car and collected my car for repair, the guy promised me 100% claim and i no need to fork out any single cent...

[Hlkh]

Just to seek for advice

Recently got minor rubbing with a taxi, but instead of receive insurance company letter I received traffic police notice

Confused

[Gogg3r]

Just to seek for advice

Recently got minor rubbing with a taxi, but instead of receive insurance company letter I received traffic police notice

Confused

 

He go report you to TP for reckless driving?

 

If so, and if you have drive recorder, just go down with the video file and explain your case.

[Gogg3r]

the ws sent me one replacement car and collected my car for repair, the guy promised me 100% claim and i no need to fork out any single cent...

 

By right if you are hit from the rear, no liability is on you.

 

So no need to worry.

[Hlkh]

Wahaha ... like that also can?

Thanks bro