Jump to content
From Servicing to Roadside Assistance - Drive Worry-Free with Sgcarmart for $99 ×

Advise on car insurance

superzhen

By superzhen,
in General Car Discussion

 Share

Recommended Posts

ER-3682

ER-3682

Twincharged
(edited)
On 12/27/2024 at 11:30 AM, RookieJ said:

I know this thread is kinda old but hopefully someone still sees this and can provide some inputs. 
 

We accidentally rammed into a Learning Car that was stationary waiting at the junction. I know it’s our fault but the other party is now claiming for all the lessons they have to cancel due to repair needed on top of expenses for changing the whole bumper (which is also excessive imo). 
 

Anyone had experience with Learner’s car and can advise whether this is lawful or not? I feel like they’re over claiming but wanna get some insights if this is the norm. 
 

Thank you!!

Let your Insurer settle....L Plate come to a complete Stop is correct,hit them is 100% wrong.

Edited by ER-3682
↡ Advertisement
  • Praise 1
Link to post
Share on other sites
Gizmore

Gizmore

Supercharged
On 12/27/2024 at 11:41 AM, ER-3682 said:

Claiming loss of Use is normal,it is consider lucky never claim "Whiplash" Injuries.

Loss of use is valid loss.

A lot of whiplash claims are 99% opportunistic claims especially by PHV and Taxi drivers.

  • Haha! 1
Link to post
Share on other sites
RookieJ

RookieJ

Neutral Newbie
On 12/27/2024 at 3:03 PM, Jamesc said:

The most important part never say. 

Looking at hand phone while driving?

:D

Nope, not using, FYI. 

It was just like one of those brain fart moments y’know. 
But ok, thanks for everyone’s replies!

  • Haha! 1
Link to post
Share on other sites
ER-3682

ER-3682

Twincharged
On 12/28/2024 at 12:51 AM, RookieJ said:

Nope, not using, FYI. 

It was just like one of those brain fart moments y’know. 
But ok, thanks for everyone’s replies!

Just move on,hoped you got NCD Protected.

  • Praise 1
Link to post
Share on other sites
Jamesc

Jamesc

Hypersonic
On 12/28/2024 at 12:51 AM, RookieJ said:

Nope, not using, FYI. 

It was just like one of those brain fart moments y’know. 
But ok, thanks for everyone’s replies!

Well if you text and drive then make sure you hit someone that drink and drive and then it will be their fault. 

:D

Have a great weekend. 

Link to post
Share on other sites
yellowshaun

yellowshaun

4th Gear
On 6/12/2023 at 11:33 AM, Beehive3783 said:

NCD transfer between spouse is only valid for one time

Google AI says need to renew with same insurance provider and cannot change to another...

Link to post
Share on other sites
yellowshaun

yellowshaun

4th Gear
(edited)
On 12/27/2024 at 11:37 AM, ER-3682 said:

Let your Insurer settle....L Plate come to a complete Stop is correct,hit them is 100% wrong.

Agreed just let the insurer settle. Insurer won't approve of the party tries to inflate the cost of the claims.

 

Speaking from personal experience - so the other party's lawyers issue a writ of summons to my insurer cause they didn't approve the claims. I was told by their admin staff to just let them handle, not to worry...

Edited by yellowshaun
Link to post
Share on other sites
Atonchia

Atonchia

Supersonic
(edited)
On 12/27/2024 at 11:30 AM, RookieJ said:

I know this thread is kinda old but hopefully someone still sees this and can provide some inputs. 
 

We accidentally rammed into a Learning Car that was stationary waiting at the junction. I know it’s our fault but the other party is now claiming for all the lessons they have to cancel due to repair needed on top of expenses for changing the whole bumper (which is also excessive imo). 
 

Anyone had experience with Learner’s car and can advise whether this is lawful or not? I feel like they’re over claiming but wanna get some insights if this is the norm. Or just any general advice on what I should do would be nice.  
 

Thank you!!

Like some of the replies here.

Just let the insurer settle the claim.

But why claim lesson lost? Private instructor car or school?

I remember many years ago, I bumped slightly on the L-Plate car while at zebra crossing, the car moved off, then suddenly stopped again, the road was clear.

I was looking out for vehicle from the right, then when I turn back not in time to brake. 

The school instructor said the student shouldn't have stopped but it's still my liability which I agreed too. So in the end settled with the school privately without claiming insurance. I think was $200.

Edited by Atonchia
Link to post
Share on other sites
yellowshaun

yellowshaun

4th Gear
On 12/30/2024 at 9:40 AM, Beehive3783 said:

Google AI? Ok, your point being?

Google AI provides a summary of the search results. So in this case the search term was "transfer NCD to spouse"

Screenshot_20241230_100120_Firefox.jpg

Link to post
Share on other sites
Beehive3783

Beehive3783

Turbocharged
On 12/30/2024 at 10:41 AM, yellowshaun said:

Google AI provides a summary of the search results. So in this case the search term was "transfer NCD to spouse"

Screenshot_20241230_100120_Firefox.jpg

Again, your point being? You should be asking individual insurers about NCD transfer from spouse instead of relying on Google AI. Is it even 100% factually accurate?

Link to post
Share on other sites
jhnology

jhnology

1st Gear

Does it make sense to select $1500 excess with the objective of private settlement for minor accident (payable to other party cash at max cap $1500) ? So that when you renew next year, at least the premium wont shot up + NCD increase

Vs

$500 excess and to claim own insurance but when renew next year, premium shot up with NCD decrease

Link to post
Share on other sites
ER-3682

ER-3682

Twincharged
On 12/30/2024 at 12:52 PM, jhnology said:

Does it make sense to select $1500 excess with the objective of private settlement for minor accident (payable to other party cash at max cap $1500) ? So that when you renew next year, at least the premium wont shot up + NCD increase

Vs

$500 excess and to claim own insurance but when renew next year, premium shot up with NCD decrease

If you pay People $1,500.00,then you also pay your Own Car's Damages.?

Link to post
Share on other sites
jhnology

jhnology

1st Gear

@ER-3682 dont repair of own car for minor (scratches or small dent). If really need repair, will also be a 1 off instead of "claims" will be tag to ur name for 3years for insurance to give u high quote

On 12/30/2024 at 3:20 PM, ER-3682 said:

If you pay People $1,500.00,then you also pay your Own Car's Damages.?

 

Link to post
Share on other sites
ER-3682

ER-3682

Twincharged
On 12/30/2024 at 3:41 PM, jhnology said:

@ER-3682 dont repair of own car for minor (scratches or small dent). If really need repair, will also be a 1 off instead of "claims" will be tag to ur name for 3years for insurance to give u high quote

 

Then is up to you do the Maths.

↡ Advertisement
Link to post
Share on other sites

Create an account or sign in to comment

You need to be a member in order to leave a comment

Create an account

Sign up for a new account in our community. It's easy!

Register a new account

Sign in

Already have an account? Sign in here.

Sign In Now
 Share
Go to topic listing
×
×
  • Create New...