Just My Luck....

[Swifter78]

I had an accident with this cockster lady driver who turned into my lane whilst making a right turn. She refused to accept responsibility and didn't even bother to make an accident report with her insurance company. As such, I can't even claim my damages from her insurer.

 

I can only LLST and pay for my damages from my own pocket.

 

Here's the video:

 

http://youtu.be/ka1SWvWppyw

[Kangadrool]

Go to a pro w/s who specialise in 3rd party claim, tell them what happened and insist you only want to claim 3rd party (and not under your policy). See what they can help you. This type of people must teach them a lesson.

Edited December 24, 2013 by Kangadrool

[Swifter78]

Go to a pro w/s who specialise in 3rd party claim, tell them what happened and insist you only want to claim 3rd party (and not under your policy). See what they can help you. This type of people must teach them a lesson.

 

 

I already submitted 3rd party claim to her insurer. Hoiwever, the motor insurance regulation here doesn't allow me to claim if the owner didn't even submit an accident report! I was surprised to learn of such a stupid rule.

[Kangadrool]

 

 

I already submitted 3rd party claim to her insurer. Hoiwever, the motor insurance regulation here doesn't allow me to claim if the owner didn't even submit an accident report! I was surprised to learn of such a stupid rule.

Your w/s should be able to send lawyer letters to her insurance company to pressure her to submit report. Her insurance company would have under pressure also send letters to the insured that they will wash hand if insured is not forthcoming and he/she would have to take full responsibility if the other party intend to take up private suit.

 

But make sure you have a solid good case.

Edited December 24, 2013 by Kangadrool

[Celicar]

I think the thinking behind the rule is that the other party wasn't there so no accident report to submit.

 

You can think about claiming from her directly, instead of her insurance.

 

 

 

I already submitted 3rd party claim to her insurer. Hoiwever, the motor insurance regulation here doesn't allow me to claim if the owner didn't even submit an accident report! I was surprised to learn of such a stupid rule.

 

[ChickenMob]

Can submit to your insurance to claim from her, her insurance will inform her that someone is claiming against her and she die die got to go down and make a report.

 

get a specialized workshop to do it....

[Swifter78]

Thank you all for the advice!!

[Knoobie]

You GVGT leh. if her insurance company reject, slap the video at them!

[Vhtfhwlego]

Thank you all for the advice!!

 

Ya, the insurance will screw us up if that the other driver didnt report.

But you are lucky to have video to support your claims.

[inlinesix]

Slap her with a letter of demand for all the damages. Since her insurance co deny liability, very likely she has to suck thumb & pay out of her on pocket.

[Swifter78]

Slap her with a letter of demand for all the damages. Since her insurance co deny liability, very likely she has to suck thumb & pay out of her on pocket.

 

But I would have to pay the lawyer fees out from my own pocket?

[inlinesix]

 

But I would have to pay the lawyer fees out from my own pocket?

 

Usually, it will be done by ws.

[Swifter78]

 

Usually, it will be done by ws.

 

oh, my WS told me I have to pay from my own pocket leh. Guess I have to find a better WS then.

[Count-Bracula]

Good luck, TS!! Must teach these irresponsible people a lesson or 2.

[Ahseng]

wakao, cockster auntie fault but just because she didn't report cause so much unwanted distress for TS.

 

Like that buy insurance for what man, since the insurance company can't solve it. Stupid rules, stupid drivers...seebeh cock up,

 

See how small things done by morons can cause chaos to the society.

Edited December 24, 2013 by Ahseng

[Gizmore]

You have a video that clearly shows the vehicle was indeed involved in an accident. Non reporting may breach the terms between the insurance company and the insured but they cannot deny your claims.

 

Even if you need a lawyer to settle this, it is reasonable to put the lawyer fee as part of the claims since it is the other party non-reporting of the accident that justify the need for one.

 

You should notify your insurance co and ask them to take up this claim with the other party.

 

However, if you decide to go the insurance route, this is most likely going to be a 50-50 case.

Edited December 24, 2013 by Gizmore

[Evillusion]

You have a video that clearly shows the vehicle was indeed involved in an accident. Non reporting may breach the terms between the insurance company and the insured but they cannot deny your claims.

 

Even if you need a lawyer to settle this, it is reasonable to put the lawyer fee as part of the claims since it is the other party non-reporting of the accident that justify the need for one.

 

You should notify your insurance co and ask them to take up this claim with the other party.

 

However, if you decide to go the insurance route, this is most likely going to be a 50-50 case.

how come 50-50? the auntie took his lane and side swipe him lei....even in F1 the bugger will kana black flag for doing the stunt during a corner! maybe not black flagged but a drive through penalty! Edited December 24, 2013 by Eviilusion

[Jellandross]

i'm also very interested in this scenario and the course of action that is available to us. below is the most relevant info i can find from GIA. but it pertains to disputing with a driver's own insurer, not the other party's insurer. nevertheless, i have just written to GIA to ask them about this loophole. will keep you guys posted if i receive any response from GIA.

 

http://www.gia.org.sg/public_type_motor_claim.php

 

HOW TO MEDIATE YOUR CLAIMS?

1) Where can I go to settle disputes with my insurer?

If you feel you have been treated unfairly by your insurer, you should lodge a complaint directly with the insurer, and provide the insurer with your details (name, contact numbers, etc.), the specific nature of your complaint and supporting documents.

The insurer should acknowledge your complaint within 3 business days, and if necessary, request additional information from you within 7 business days of the date of your complaint.

Depending on the nature of your complaint, the insurer may need more time to attend to it. If so, the insurer should contact you and update you on the progress within 14 business days of your last communication, before proceeding to resolve the problem.

If you have taken these steps and still feel the response is not satisfactory, or if there is no response within the timeframes stated above, you should then appeal to the principal officer of the insurer in writing. You can expect a response to this within 14 business days.

Finally, if you are still unsatisfied after going through these channels, you can contact the Financial Industry Disputes Resolution Centre Ltd (FIDReC). FIDReC was set up to provide an affordable, independent channel for resolving insurance disputes involving claims between insureds and insurers of up to S$100,000 for both life and general insurance. In addition, FIDReC also handles motor third-party property damage claims of up to S$50,000. Its operation is provided for in the General Insurance Code of Practice.

 

2) How do I file a claim with FIDReC?

You may lodge your complaint/claim in person, by fax, post or e-mail.

Filing a claim and having a Case Manager review your claim is free of charge. If a Case Manager takes your claim up with the insurer concerned and is unable to facilitate a resolution, you can then refer your claim to an FIDReC mediator or panel of mediators depending on the size of the claim. If you choose to do so, you need to pay a nominal administrative fee of S$50.

The ruling of the mediator or panel is final and binding on the insurer, but not on you. If you are not happy with the ruling, you are free to reject it and pursue a settlement through mediation, arbitration or legal proceedings. However, if you accept the panel's ruling, this means you have chosen to give up your right to proceed with legal action against the insurer.