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Hi bros, I was involved in an accident last month at newton circus, at Bukit Timah Road exit. My car was in the 4th lane of the bend and just as I passed Bukit Timah exit, there was another car in the 3rd lane which had knocked into my right rear bumper. That car was actually attempting to take the exit and just swerved left despite seeing my car 3/4 ahead of her. Then came this PRC woman shouting and insisting that it was my fault. We exchanged verbal war, one China style and the other S'pore style. During the conversation, she claimed I should have stopped my car, since I am ahead, for her to take the exit. She told me since it is my fault, I should pass her $300 to compensate her and she will not pursue anything. Told her go back mainland and play stones first. Never mind, I took down the details of what happened in my accident form which stated what had happened. On my copy, we both signed on every page to certify it's accurate. She has a similar copy too. The next day before she reported to her workshop, she called again to ask me to compensate her. All those she said the night before. Not wanting to waste time talking, told her it's ok, just go claim insurance since no one wants to private settle. After a month of waiting to know the outcome, my workshop C&C called today to tell me the china woman is engaging a lawyer to claim my insurance. Therefore, her insurance company will not be part of this process anymore. Accordingly to C&C, I can only do the same since she initiated this. I was told that her report to her insurance company is the direct opposite of what had happened. But because I have a black and white on the whole story bearing her signature, I have a strong case in my favor. Now before I decide what to do, can anyone advise if they have been in a similar situation before? Any comments on my next step? Appreciate if anyone or a legal advisor can enlighten me with the questions below. 1. If I decide not to engage a lawyer, what would happen then? Does this give her the right to claim my insurance straightaway? 2. If I lose the court case, do I pay for the other party's legal fees and then her car damages will be claimed against my insurance? 3. How long would such a case drag for? 4. What would my chances be? 5. What are the procedures for this whole saga? Thanks everyone for the time reading my long post!