nch87 10 Clutched March 25, 2021 Mazda car was behind me when the green turning arrow appear. As the car in front of me did not turn, I decided to just wait for the next green light. Mazda car decide not to wait and change lane but bump into my car and drove off. Left some scratches on my car bumper. Any advice on what we should do in such situation? ↡ Advertisement 2 Share this post Link to post Share on other sites
Turboflat4 49,663 Supersonic March 25, 2021 Report a hit and run lor. What else to do? You have video right? 7 Share this post Link to post Share on other sites
nch87 10 Clutched March 25, 2021 @Turboflat4 Yes. Also, upon reviewing the video, realized that car turn when light is red. Share this post Link to post Share on other sites
Acewin 790 4th Gear March 25, 2021 Faster Poh Mata liao. 1 Share this post Link to post Share on other sites
kobayashiGT 18,457 Moderator March 25, 2021 1 hour ago, nch87 said: Mazda car was behind me when the green turning arrow appear. As the car in front of me did not turn, I decided to just wait for the next green light. Mazda car decide not to wait and change lane but bump into my car and drove off. Left some scratches on my car bumper. Any advice on what we should do in such situation? Nothing much you can do. You can report hit & run, but be prepared to get your car fix at your own cost also. At least you got footage lah. not so bad. Share this post Link to post Share on other sites
shrjun 444 3rd Gear March 25, 2021 Report him online https://eservices.police.gov.sg/content/policehubhome/homepage/feedback-on-road-users.html with video Probably also make a police report for the ' hit and run ' Definitely report to your insurance quickly claiming that car's insurance.His own insurance company will be the pain in his axxe. 1 Share this post Link to post Share on other sites
Jamesc 176,857 Hypersonic March 25, 2021 My MIL say Hire a Hitman. 4 Share this post Link to post Share on other sites
Volvobrick 41,461 Supersonic March 25, 2021 (edited) Report hit and run. If scratches on bumper only, claiming against the other party's insurance may mean a few days of down time (they send surveyors, agree to repair costs etc). Just repair yourself should be less than 200 and 1 day job. You have to decide for yourself.... Edited March 25, 2021 by Volvobrick 2 Share this post Link to post Share on other sites
inlinesix 42,217 Supersonic March 25, 2021 If claims 3rd party, party at fault insurer might reject it. Might need to wait till police investigation before any claims can be made. 1 Share this post Link to post Share on other sites
Comage 186 2nd Gear March 25, 2021 (edited) Got into this kind of situation before. Twice. First time went for private settlement. Second time, I just reported to my own workshop and let them start the repairs - the guy said with video footage and my vehicle being stationary it is a clear cut 100% towards my favour. So I let my workshop start the fixes and they claim from the other guy. I did not pay a single cent to my workshop. Sure, you "claim" your own insurance first and your NCD is indeed impacted until they claim it back from the other guy's insurance (NCD will be reinstated then), but since it is a clear-cut case, it doesn't matter ultimately. You will get the claim successfully. All in all it took 6 months to settle everything. I even got a couple hundred bucks for the few days downtime for loss of car use. Edited March 25, 2021 by Comage 3 Share this post Link to post Share on other sites
Turboflat4 49,663 Supersonic March 26, 2021 (edited) 7 hours ago, Comage said: Got into this kind of situation before. Twice. First time went for private settlement. Second time, I just reported to my own workshop and let them start the repairs - the guy said with video footage and my vehicle being stationary it is a clear cut 100% towards my favour. So I let my workshop start the fixes and they claim from the other guy. I did not pay a single cent to my workshop. Sure, you "claim" your own insurance first and your NCD is indeed impacted until they claim it back from the other guy's insurance (NCD will be reinstated then), but since it is a clear-cut case, it doesn't matter ultimately. You will get the claim successfully. All in all it took 6 months to settle everything. I even got a couple hundred bucks for the few days downtime for loss of car use. There is a discussion right now about how things can go wrong if you make an own damage claim, trusting the workshop and your insurer to give you back your money in due course. https://www.mycarforum.com/forums/topic/2712581-car-insurance-questions-and-answers/?do=findComment&comment=7068274 Edited March 26, 2021 by Turboflat4 4 Share this post Link to post Share on other sites
Beregond 30,683 Supersonic March 26, 2021 7 hours ago, Comage said: Second time, I just reported to my own workshop and let them start the repairs - the guy said with video footage and my vehicle being stationary it is a clear cut 100% towards my favour. So I let my workshop start the fixes and they claim from the other guy. I did not pay a single cent to my workshop. yes. if ts got video evidence should go let 3rd claim ws access the video. if they are 100 can win, they wil take up your case without u paying a single cents, and u will get a spare car foc also. not to mention if u got time to burn , u can go hospital check up for neck pain😁 2 Share this post Link to post Share on other sites
Turboflat4 49,663 Supersonic March 26, 2021 11 hours ago, Volvobrick said: Report hit and run. If scratches on bumper only, claiming against the other party's insurance may mean a few days of down time (they send surveyors, agree to repair costs etc). Just repair yourself should be less than 200 and 1 day job. You have to decide for yourself.... Singapore law needs an urgent amendment in so many respects. No one who is provably not at fault in an accident should suffer the slightest financial penalty. Since all insurers are supposed to be under the GIAS, they should be legally compelled to make the innocent party whole, regardless of bodily injury or not. This nonsense about insurance companies finding loopholes when one driver doesn't report, when the other driver makes an OD claim to get his car (which he needs for work or personal reasons) repaired urgently, when one party is drunk etc etc, should be stamped out hard. Along with the gahmen actually giving a f**k about odometer tampering, a clear fraudulent criminal act - it's the most important thing our jiak liao bee gahmen should be busying themselves with. 4 Share this post Link to post Share on other sites
inlinesix 42,217 Supersonic March 26, 2021 8 minutes ago, Turboflat4 said: Singapore law needs an urgent amendment in so many respects. No one who is provably not at fault in an accident should suffer the slightest financial penalty. Since all insurers are supposed to be under the GIAS, they should be legally compelled to make the innocent party whole, regardless of bodily injury or not. This nonsense about insurance companies finding loopholes when one driver doesn't report, when the other driver makes an OD claim to get his car (which he needs for work or personal reasons) repaired urgently, when one party is drunk etc etc, should be stamped out hard. Along with the gahmen actually giving a f**k about odometer tampering, a clear fraudulent criminal act - it's the most important thing our jiak liao bee gahmen should be busying themselves with. It all boils down to the LACK OF CONSUMER PROTECTION. Forget GIAS. It is to protect insurers. Not you and me. MAS being the regulator of the insurance industry should show more fang to protect the consumer. Even Malaysia and India mandates insurer of the party at fault pays 1st. Lastly, a lot of ppl don't know that you can complain to MAS. I know you will say it is useless. Every complaint has a record. In addition, an insurer has to answer your complaint. No complaint = no issue hor. 2 Share this post Link to post Share on other sites
Turboflat4 49,663 Supersonic March 26, 2021 8 minutes ago, inlinesix said: It all boils down to the LACK OF CONSUMER PROTECTION. Forget GIAS. It is to protect insurers. Not you and me. MAS being the regulator of the insurance industry should show more fang to protect the consumer. Even Malaysia and India mandates insurer of the party at fault pays 1st. Lastly, a lot of ppl don't know that you can complain to MAS. I know you will say it is useless. Every complaint has a record. In addition, an insurer has to answer your complaint. No complaint = no issue hor. Agree with most of what you say. Hold MAS to account. They're JLB in chief, in my opinion. But why let GIAS off the hook? They're all in cahoots with the powers that be, in my opinion. Screw them all big big, in full public view. And hold them to account slowly, in a battle of attrition. 1 Share this post Link to post Share on other sites
Genes 3,906 6th Gear March 26, 2021 53 minutes ago, Turboflat4 said: Singapore law needs an urgent amendment in so many respects. No one who is provably not at fault in an accident should suffer the slightest financial penalty. Since all insurers are supposed to be under the GIAS, they should be legally compelled to make the innocent party whole, regardless of bodily injury or not. This nonsense about insurance companies finding loopholes when one driver doesn't report, when the other driver makes an OD claim to get his car (which he needs for work or personal reasons) repaired urgently, when one party is drunk etc etc, should be stamped out hard. Along with the gahmen actually giving a f**k about odometer tampering, a clear fraudulent criminal act - it's the most important thing our jiak liao bee gahmen should be busying themselves with. The "powers" are more interested in you buying the insurance for the car, not actually interested in the insurance companies actually paying their dues and keeping to their part of being an actual insurance company. like il6 mentioned, you consumers can go fork yourself 1 1 Share this post Link to post Share on other sites
Comage 186 2nd Gear March 26, 2021 3 hours ago, Turboflat4 said: There is a discussion right now about how things can go wrong if you make an own damage claim, trusting the workshop and your insurer to give you back your money in due course. https://www.mycarforum.com/forums/topic/2712581-car-insurance-questions-and-answers/?do=findComment&comment=7068274 Can't comment much on this guy's experience - but it's probably the insurance company with its fineprint at work here. Of course I'm not saying because I did it successfully, others sure can as well. If the victim's vehicle is stationary, it helps swings the claim towards the victim's favour. When I made my claim, my workshop didn't ask me to pay a single cent. They said they'll just proceed to fix my car and get it back from the other guy. There was also no excess for me to pay... 2 Share this post Link to post Share on other sites
Turboflat4 49,663 Supersonic March 26, 2021 48 minutes ago, Genes said: The "powers" are more interested in you buying the insurance for the car, not actually interested in the insurance companies actually paying their dues and keeping to their part of being an actual insurance company. like il6 mentioned, you consumers can go fork yourself Sure. I'll go fork myself for now. But every 4 to 5 years, that forking will go the other way. At least for the "wise ones". 😂 ↡ Advertisement 1 Share this post Link to post Share on other sites
