CTL Claims

[BenTong]

Seems to me no point buying insurance to insure own liability.. 3rd party is enough.. 

buy repair and lawyer insurance better..

 

????

[Ody_2004]

1 hour ago, BenTong said:

Seems to me no point buying insurance to insure own liability.. 3rd party is enough.. 

buy repair and lawyer insurance better..

 

????

In a way true BUT if you on loan I think cannot 3rd party..

BUT heng here MCF all pay Full CASH so not applicable! 🤣

[ToyotaShuttle]

14 hours ago, BenTong said:

Seems to me no point buying insurance to insure own liability.. 3rd party is enough.. 

buy repair and lawyer insurance better..

 

????

Question. If you buy 3rd party and get into a serious accident where you are disabled, then cannot claim if you are the party at fault?

[Mkl22]

20 hours ago, Ody_2004 said:

In a way true BUT if you on loan I think cannot 3rd party..

BUT heng here MCF all pay Full CASH so not applicable! 🤣

I drive a coe car and wanted 3rd party only. But comprehensive was but $50 more. So comprehensive in the end.  At least I get the option of claiming from insurance vs scrapping. 

[mersaylee]

16 minutes ago, Mkl22 said:

I drive a coe car and wanted 3rd party only. But comprehensive was but $50 more. So comprehensive in the end.  At least I get the option of claiming from insurance vs scrapping. 

So good!? Which coy and wat car if can share share info? PM also can 

[BenTong]

10 hours ago, ToyotaShuttle said:

Question. If you buy 3rd party and get into a serious accident where you are disabled, then cannot claim if you are the party at fault?

Most people have personal accident insurance policy la.. you should get one..we are talking about car loss claims la.. duh..

Edited June 21, 2020 by BenTong

[BenTong]

23 hours ago, Ody_2004 said:

In a way true BUT if you on loan I think cannot 3rd party..

BUT heng here MCF all pay Full CASH so not applicable! 🤣

Can la.. loan also can la.. coz I finished paying .. leow..

[Mkl22]

4 hours ago, mersaylee said:

So good!? Which coy and wat car if can share share info? PM also can 

My mistake. $50 was the previous car. Current Suzuki Swift is $200 difference. AXA insurance. 

[ToyotaShuttle]

5 hours ago, BenTong said:

Most people have personal accident insurance policy la.. you should get one..we are talking about car loss claims la.. duh..

Do most people have that? I don't have it.....

How much does it cost?

[Fitvip]

On 6/20/2020 at 8:48 AM, Ciki said:

Apparently yes, I can claim own damage. As I have NCD protector so it won't be affected. Though I think premium will still go up. Which make no sense for me to claim myself for the repairs.

Claiming own damaged when the other party is liable to my understanding is to speed up the process.

I had this experience many years ago. My car was rear ended and my workshop advised me to claim my own insurance first. My insurer would then claim from the other party.

[inlinesix]

21 minutes ago, Fitvip said:

Claiming own damaged when the other party is liable to my understanding is to speed up the process.

I had this experience many years ago. My car was rear ended and my workshop advised me to claim my own insurance first. My insurer would then claim from the other party.

No guarantee that 3rd party insurer will pay 100% of what your insurer paid.

[Fitvip]

4 minutes ago, inlinesix said:

No guarantee that 3rd party insurer will pay 100% of what your insurer paid.

I remember that assessors from both parties inspected the car before the repair was carried out. In my case, there was no hassle. The third party assessor disputed a dent on the hatch, but, later he accepted and apologised to me for the unnecessary delay.

[inlinesix]

3 minutes ago, Fitvip said:

I remember that assessors from both parties inspected the car before the repair was carried out. In my case, there was no hassle. The third party assessor disputed a dent on the hatch, but, later he accepted and apologised to me for the unnecessary delay.

If 3rd party assessor was on site, why do you need to do own claim 1st?

[Fitvip]

1 minute ago, inlinesix said:

If 3rd party assessor was on site, why do you need to do own claim 1st?

The inspection was done at the workshop not in my presence.

[inlinesix]

Just now, Fitvip said:

The inspection was done at the workshop not in my presence.

it sounds fishy to me.

[Ciki]

Thanks for all the responses. Have decided to claim total loss from 3rd party as their surveyor deem the damage as "not economical to repair", although if claiming my own policy, my insurance have the "budget" to repair the car. 

 

However looking at the damage done, I doubt the safety will be there even after repairs. And with different assessment from both surveyors, it gives me more doubt.