Seeking advices on insurance compensation

[Infernolord]

I am just super down on my luck, this is my 2nd accident during this CB.

1st accident, a bike was speeding and dash out from a bend road and fell infront of my car as i was about to turn out, no impact but I took the blame and settle all claims.

Just last weekend, i was stationary at the traffic lights and a merc dash straight at my rear and smash my back, the impact so great that my car moved forward and hit the other car infront.

I am current very stressed up,  VW & MSIG insurance said will settle my car for me but my wife was seriously injured, they asked me to engage a lawyer as they do not do claim for that.

I thought insurance would covered everything. I am the driver that day, and my wife was passenger, the car smash on her side (left rear). i assume that driver realised she about to slam into my car and turned her wheel. 

I just want to seek advise how to go about it. My wife hit her neck and spine due the impact, and doc say might affected her nerve at her lower spine. Her whole body seem to be in pain. I am lucky that i was hold my wheel, so the impact was minimized.

 

[Watwheels]

Is your car the yellow Suzuki Swift in the news? Just two days after accident with a motorbike then accident again?

Sounds like the one in the news.

Even saw K9 unit deployed to check your car for drugs, I guess. 

Sorry to hear that about your wife. You ok?

Worse come to worse stop driving for a couple of years lo.

[serenade]

I hope your wife fully recovers. The first thing you got is to go to a reputable hospital A&E and get wife checked for whiplash/spine injury. Get the x-ray and scans done today, then have the doctor report that the injury was caused by a sudden impact from the rear and front. Also remember to save footage from car-cam. 

With the doctor's report from a reputable hospital, submit your claim against the insurer(s).  Own and car behind you. Claim cost of the tests, medical report, expected treatment cost, loss of earnings from doctor visits. If the injury is severe enough, claim loss of future earnings (I hope this is not necessary as no financial compensation will make up for loss of quality of life).

If the insurers refuse your injury claim submission, appoint a lawyer to seek recourse from insurers and/or the driver. That is if the Police IO report puts the fault of the crash on the car that hit you, and that you are 0% at fault. 

[CoffeeBreak]

8 minutes ago, Watwheels said:

Is your car the yellow Suzuki Swift in the news? Just two days after accident with a motorbike then accident again?

Sounds like the one in the news.

Even saw K9 unit deployed to check your car for drugs, I guess. 

Sorry to hear that about your wife. You ok?

Worse come to worse stop driving for a couple of years lo.

Think the car involved in the accident is a VW. 

Feel sorry for the wife and hope to recover soon. Can talk to your lawyer and seek advice.

 

[Stratovarius]

21 minutes ago, Infernolord said:

I am just super down on my luck, this is my 2nd accident during this CB.

1st accident, a bike was speeding and dash out from a bend road and fell infront of my car as i was about to turn out, no impact but I took the blame and settle all claims.

Just last weekend, i was stationary at the traffic lights and a merc dash straight at my rear and smash my back, the impact so great that my car moved forward and hit the other car infront.

I am current very stressed up,  VW & MSIG insurance said will settle my car for me but my wife was seriously injured, they asked me to engage a lawyer as they do not do claim for that.

I thought insurance would covered everything. I am the driver that day, and my wife was passenger, the car smash on her side (left rear). i assume that driver realised she about to slam into my car and turned her wheel. 

I just want to seek advise how to go about it. My wife hit her neck and spine due the impact, and doc say might affected her nerve at her lower spine. Her whole body seem to be in pain. I am lucky that i was hold my wheel, so the impact was minimized.

 

Sorry to hear that. I also thought that motor insurance will cover medical. Maybe you can call your wife's personal insurance to check. Speedy recovery to her.

[Vid]

35 minutes ago, Infernolord said:

I am just super down on my luck, this is my 2nd accident during this CB.

1st accident, a bike was speeding and dash out from a bend road and fell infront of my car as i was about to turn out, no impact but I took the blame and settle all claims.

Just last weekend, i was stationary at the traffic lights and a merc dash straight at my rear and smash my back, the impact so great that my car moved forward and hit the other car infront.

I am current very stressed up,  VW & MSIG insurance said will settle my car for me but my wife was seriously injured, they asked me to engage a lawyer as they do not do claim for that. 

I thought insurance would covered everything. I am the driver that day, and my wife was passenger, the car smash on her side (left rear). i assume that driver realised she about to slam into my car and turned her wheel. 

I just want to seek advise how to go about it. My wife hit her neck and spine due the impact, and doc say might affected her nerve at her lower spine. Her whole body seem to be in pain. I am lucky that i was hold my wheel, so the impact was minimized.

 

So sorry to hear about that. A car is just a thing, dun be too stressed over it. Your first priority now is the recovery of your wife. Hope your wife has some sort of personal accident insurance, medishield or healthshield. 

Car insurance will not cover all injuries. Your best bet is to engage a lawyer to sue the other driver. That is costly, stressful and will take years.

As said, priority is the health of your wife. Everything else can wait.

[Weez911]

Can't advise you much, but hope your wife gets better 

[kobayashiGT]

59 minutes ago, Infernolord said:

I am just super down on my luck, this is my 2nd accident during this CB.

1st accident, a bike was speeding and dash out from a bend road and fell infront of my car as i was about to turn out, no impact but I took the blame and settle all claims.

Just last weekend, i was stationary at the traffic lights and a merc dash straight at my rear and smash my back, the impact so great that my car moved forward and hit the other car infront.

I am current very stressed up,  VW & MSIG insurance said will settle my car for me but my wife was seriously injured, they asked me to engage a lawyer as they do not do claim for that.

I thought insurance would covered everything. I am the driver that day, and my wife was passenger, the car smash on her side (left rear). i assume that driver realised she about to slam into my car and turned her wheel. 

I just want to seek advise how to go about it. My wife hit her neck and spine due the impact, and doc say might affected her nerve at her lower spine. Her whole body seem to be in pain. I am lucky that i was hold my wheel, so the impact was minimized.

 

So sorry to hear about that. If you have not engaged any lawyer, here are our contacts.

https://www.sgcarmart.com/tools_tips/car_dispute_legal_lawyer.php

Be as detail as possible with the lawyer, so they know exactly how they can help you and your wife. For your wife health, don't drag anymore. Just go and seek medical advice first. If you have accident insurance, then maybe use that and claim first.

[Leo72]

25 minutes ago, Stratovarius said:

Sorry to hear that. I also thought that motor insurance will cover medical. Maybe you can call your wife's personal insurance to check. Speedy recovery to her.

15 minutes ago, Vid said:

So sorry to hear about that. A car is just a thing, dun be too stressed over it. Your first priority now is the recovery of your wife. Hope your wife has some sort of personal accident insurance, medishield or healthshield. 

Car insurance will not cover all injuries. Your best bet is to engage a lawyer to sue the other driver. That is costly, stressful and will take years.

As said, priority is the health of your wife. Everything else can wait.

Third party insurance do cover medical and vehicle. Normally AD will advise you to do OD and then later help you to do third party claim, whereas a WS appointed by your insurer most likely will know how to do a third party claim directly and advise / help with medical claim related to driver and passenger. Third party claim is done by the lawyer engaged by the WS. 

[Ceecookie]

As the merc is at full fault for hitting you, you and your wife should see the doctor and other specialists as much as you can. Keep all receipts with you and do not hesitate to receive as much Healthcare as possible.

Thereafter, work with a trusted workshop to claim the other party as much as possible. Every single damaged part should be replaced fully from factory. Any secondary parts near the damaged part can be replaced if the wear and tear can pass for impact damage. You should be able to claim about 10-30k, or more depending how much is inflated by the WS.

Do not attempt to engage or communicate with the merc driver. Leave it fully to your insurance company to handle it. Party at fault will try to give sob story because they do not wish to have their next insurance premium skyrocketing.

Edited September 21, 2020 by Ceecookie

[Ronkovic]

1 hour ago, Infernolord said:

I am just super down on my luck, this is my 2nd accident during this CB.

1st accident, a bike was speeding and dash out from a bend road and fell infront of my car as i was about to turn out, no impact but I took the blame and settle all claims.

Just last weekend, i was stationary at the traffic lights and a merc dash straight at my rear and smash my back, the impact so great that my car moved forward and hit the other car infront.

I am current very stressed up,  VW & MSIG insurance said will settle my car for me but my wife was seriously injured, they asked me to engage a lawyer as they do not do claim for that.

I thought insurance would covered everything. I am the driver that day, and my wife was passenger, the car smash on her side (left rear). i assume that driver realised she about to slam into my car and turned her wheel. 

I just want to seek advise how to go about it. My wife hit her neck and spine due the impact, and doc say might affected her nerve at her lower spine. Her whole body seem to be in pain. I am lucky that i was hold my wheel, so the impact was minimized.

 

Very sorry to hear about your accident - It must be a very stressful and anxious time for you. At the same time, I really wish that your wife is on the road to recovery and that she will get better soon. Do check on her current coverage for accident, medical / hospitalisation insurance (personal and/or company) as these would be critical for her at the moment.

For accident compensation claims, it will be a civil suit so you'll have to engage a lawyer/firm whose niche area are in accident compensation claims. As some have mentioned, it may take some time to determine and assess the full extent and impact of her injuries as well as its implications on her future - Example, hampering of mobility, long-term recovery rehabilitation, loss of income/future earnings etc. Best to take some time to have a chat with some of lawyers recommended to get a sense of how you'd fare in the case, the legal procedures you'd need to note, possible settlement options etc. Aside from those firms shared, you could also look at Cosmas LLC. I think the HOH Law Corp also has a section dedicated to injury claims. 

Disclaimer: I have no affiliation or interests with the abovementioned firms. Just sharing as I've heard about their work. 

Again, wishing you and your wife all the best and most importantly, a speedy and steady recovery. 

[Fyo8822]

As for my past experience druing 2019, the insurance authorized workshop will engage their lawyer for the medical claims etc.

If 3 or more days mc, you must report to police. No need traffic police. You can go to your nearest Neighbourhood police station to report with the MC. Bring along the doctor findings and MC.

Once a police case is lodged, traffic police will investigate and do the necessary. You will recevie a letter from them as what traffic offence they had meted out to the traffic offender.

Medical claims must be paid upfront by yourself first. But most important is to go for whatever scans or testing as recommended by the doctor to ensure that there is no internal bleeding.

 

[Freeder]

3 hours ago, Infernolord said:

I am just super down on my luck, this is my 2nd accident during this CB.

1st accident, a bike was speeding and dash out from a bend road and fell infront of my car as i was about to turn out, no impact but I took the blame and settle all claims.

Just last weekend, i was stationary at the traffic lights and a merc dash straight at my rear and smash my back, the impact so great that my car moved forward and hit the other car infront.

I am current very stressed up,  VW & MSIG insurance said will settle my car for me but my wife was seriously injured, they asked me to engage a lawyer as they do not do claim for that.

I thought insurance would covered everything. I am the driver that day, and my wife was passenger, the car smash on her side (left rear). i assume that driver realised she about to slam into my car and turned her wheel. 

I just want to seek advise how to go about it. My wife hit her neck and spine due the impact, and doc say might affected her nerve at her lower spine. Her whole body seem to be in pain. I am lucky that i was hold my wheel, so the impact was minimized.

 

Go down to your insurer and discuss face to face..

And if they TaiChi, consult a lawyer ASAP..

 

[1fast1]

3 hours ago, Infernolord said:

I am just super down on my luck, this is my 2nd accident during this CB.

1st accident, a bike was speeding and dash out from a bend road and fell infront of my car as i was about to turn out, no impact but I took the blame and settle all claims.

Just last weekend, i was stationary at the traffic lights and a merc dash straight at my rear and smash my back, the impact so great that my car moved forward and hit the other car infront.

I am current very stressed up,  VW & MSIG insurance said will settle my car for me but my wife was seriously injured, they asked me to engage a lawyer as they do not do claim for that.

I thought insurance would covered everything. I am the driver that day, and my wife was passenger, the car smash on her side (left rear). i assume that driver realised she about to slam into my car and turned her wheel. 

I just want to seek advise how to go about it. My wife hit her neck and spine due the impact, and doc say might affected her nerve at her lower spine. Her whole body seem to be in pain. I am lucky that i was hold my wheel, so the impact was minimized.

 

I am very troubled by your account. 

For the first "incident" why did you settle the claim if there was no impact? Felt guilty? Pity? These are not adequate reasons to admit liability or agree to compensation. Especially if insurance is involved - which it always should be, if a bike is involved as chances of an injury claim are high - it's not up to you to decide these things. Never admit liability at the scene and always leave it up to your insurer. If no impact, this could've been contested. 

For the second accident, a rear end impact on you is generally decided 100 percent in your favour, which means it is  a full claim against the third party insurance of the guy whacking you. Since an injury has resulted this is an automatic claim his instance has to pay out from, regardless of any other circumstances. It doesn't matter if he's drunk etc., his third party insurance is still fully liable for injury claims, that's the law! It's in the road traffic act. 

 Never listen to your AD or your workshop telling you to make an own damage claim first! Always go straight to your insurer. And if they're not telling you that they're making a third party claim against the other party, engage your own lawyer immediately. Because your insurer may not be representing your interests adequately. Don't rush to repair your car. Ask for a courtesy car or if you're forced to take taxi/PHV, become a receipt collector. 

And if there's an injury, get proper investigations done with full receipts and reports. Get more than 3 days MC. And lodge a police case as others have advised. Good luck. You're in it for the long haul. 

Edited September 21, 2020 by Turboflat4

[Eyke]

2 hours ago, Fyo8822 said:

As for my past experience druing 2019, the insurance authorized workshop will engage their lawyer for the medical claims etc.

If 3 or more days mc, you must report to police. No need traffic police. You can go to your nearest Neighbourhood police station to report with the MC. Bring along the doctor findings and MC.

Once a police case is lodged, traffic police will investigate and do the necessary. You will recevie a letter from them as what traffic offence they had meted out to the traffic offender.

Medical claims must be paid upfront by yourself first. But most important is to go for whatever scans or testing as recommended by the doctor to ensure that there is no internal bleeding.

 

https://gia.org.sg/motor-insurance/22-premium-renewal-of-policy/349dos-and-don-ts-following-an-accident-dos-and-don-ts-following-an-accident.html

Edited September 21, 2020 by Eyke

[Windwaver]

3 hours ago, Infernolord said:

I am current very stressed up,  VW & MSIG insurance said will settle my car for me but my wife was seriously injured, they asked me to engage a lawyer as they do not do claim for that.

I just want to seek advise how to go about it. My wife hit her neck and spine due the impact, and doc say might affected her nerve at her lower spine. Her whole body seem to be in pain. I am lucky that i was hold my wheel, so the impact was minimized.

 

OMG, I hope your wife recovers soon. Maybe there's a good spine doctor here, you never know.

[Jellandross]

Hope your wife recovers soon and don't be stingy on all the checks and medical expenses. Claim the other party gao gao. Hit your stationary car backside means you almost 100% no fault.

I remember always seeing this law firm ad on tv about injury claims. Not sure how good they are though.

https://www.hoh.com.sg/

[Fyo8822]

Triggers my memory of the whiplash i had experience. *Pain*