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supposing while driving in heavy traffic you get rear ended by another car and the impact is minor but it still can be felt you come out of your vehicle to inspect and found no damage to his vehicle and minor paint chip on your rear bumper would you attempt to push your luck and claim for respray of the whole bumper? there IS paint chip afterall and most definitely it is the other party's fault for tailgating anyway. or would you just let it pass afterall the paint chip is minimal and probably a car polish might remove the chip also if you reply no claim, if you hit somebody else in the exact same scenario, do you think that others will push their luck and try to claim against you instead?

This morning recieved tis message in my HP: "Congratulations your simcard winner GRAND PRIZE. $20000 From COMPANY PETRONAS To.informations Please contac office petronas centre;+6285256387567" Bad English. But then how to claim ah. Guess i will use it to help down-pay my Gallardo.

Dear all, i have an accident some time ago and though it is a very very minor one, with just an almost hardly noticeable line scratch of paint, i went the insurance way as the other party is quite yaya about it. I also have the right of the way as that guy cut into my lane and hit the back right hand side of my car. Approach a 3rd party company which will liases with the insurance company to settle the claim. This company claim will be able to claim at least 20/80 and my NCD would not be affected. So go ahead and claim the insurance. Received a letter claiming the other party insurance only willing to settle 50/50. Apparantly the other party claim i cut into his lane instead. Call up this 3rd party and they tell me they will get their lawyer to fight. Received another reminder letter asking me whether i am willing to accept 50/50, else have to fight somemore and incur more cost which i would have to fork out myself if i loss the case. Note, I did not have any camera with me to take photo on the spot as i am a SAF personnel. In this case, it is my words against his. Was really very angry. How can a person be so unethical and lie about other party hitting him when he is the one at fault. Another thing is that the claim was like 5k+ though the scratch was really a very small one. Can i request to check the claim and stuffs like tat? Please kindly advise as i have signed an agreement with the company to let them settle and seem like i should not be interfering...

Was parked along outram road just now to tapao some dinner, got my food and drove straight off. After driving for about a car length, a lorry came from my left suddenly cut into my lane and hit the front left portion of my car. Car damaged from left door edge all across the left fender and bumper chui. By the time lorry stopped it was in a 45 DEG position across my car (infront). Lorry driver claims it my fault as i move off from stationary without looking, he said i should have given way to him. Thing is i was already moving at 15-20kmh when he collided into me, more like he didnt bother checking blind spot. I took full photos of all positions and damages. I also took photo of where i stopped and where the point of impact was. I have a witness who can confirm that the positon of my car after the accident is more then 1 car length away from where i stopped. He saw where i stopped my car but didnt manage to see the accident. Kinda worried now the lorry driver will roti prata, what do u guys think?? My fault???

Hi guys, Need some advice Recently my friend just got into a accident and 100% claim against the other party. His rear boot/bumper damaged badly. And exo no problem. Here come the question i need to know. Due to the other party never take any photo, the workshop make a dent on the exo too and claim together. Means now my friend got new boot, bumper and exo! He request to take back the old exo. But the workshop dun allow. R we allow to take back the exo? Or is belong to the workshop? Im in doubt... Btw, new pc cost 1.6k.

Hi friends My car got vandalised by some MF and there crack on my front windscreen. I just call ntuc income they required me to go down to the authorized workshop and my access for windscreen will be $100. Anyone went through the claim process for windscreen and I heard that 100 dollar only for the windscreen and if there a need for solar film as when I purchase my car there already solar film given by the sale agent and I believe nowday all the car will come with solar film (front) top and below and I need to top up additional 100 dollar. I need some advise regard to this issue. Regrad Lancer Ex

Hi I need help one mother F***** vandalized my car by throwing marbles and screws in my car. My windscreen and some of the surface dented and I already file a police report. What can I do now do I required to use my NCD to claim the insurance and I purchase my insuarnce from ntuc income ? I suspect that ass**** who is my neigbour that also drove a lancer ex. Please kindly advise me and this is not the first but the third time

i quitted my previous company In july. In my last paycheque i have received,(not the one with pro-rated salary,its the previous month) my boss has failed to issue me with transport allowence of 500, stating poor work performance.(he owes sub-con money amounting to 60k and i get the blame for their attitude and not turning up for work) I am contemplating going to MOM or Small Claims Tribunal to claim for my transport allowence as i did use my truck for work purposes(send tools and materials to/from supplier etc.) Before i proceed, anyone knows whether MOM or SCT will entertain my claims? i also want to ask of you guy"s opinion before i decide to proceed or not. Thanks.

Hi all, How many years after an accident will an accident claim (i.e. medical) be considered void? How many years will an insurance company hold in record for a potential claim before finally reinstating back the NCD to the insured party? If eventually the retention amount and record show there is no claim (after X years), will the insured party obtain back in cash difference between no NCD and with NCD amount every year since the claim was not paid out and thus the NCD status should remain status quo in the first place? In other words, paying for car insurance with zero NCD but after X years, no claim, but NCD had been taken away to safeguard a potential claim. Please give your views and advice.

I have sent my car to repair and though the warranty agent has provided me a car to use, but they take too long to repair it. They are not professional at all though they claim they are. They take their own sweet time and down my car there for so long, so consider my COE of 14k, insurance of 4k a year and road tax of 1.2k a year, they hold my car for 2 months already, I should be able to claim a $1100 from them... Anyone has such bad experience from WARRANTY AGENT? PLS Share with me what I can do.....

I have sent my car to repair and though the warranty agent has provided me a car to use, but they take too long to repair it. They are not professional at all though they claim they are. They take their own sweet time and down my car there for so long, so consider my COE of 14k, insurance of 4k a year and road tax of 1.2k a year, they hold my car for 2 months already, I should be able to claim a $1100 from them... Anyone has such bad experience from WARRANTY AGENT? PLS Share with me what I can do.....

Hi Need your kind advices... 1. Car was involved in accident. Bumper, front side panel (beside bonnet) and bonnet panel changed. 2. Repairs was done at third party workshop because authorised workshop of insurance. Damages were claimed full from the third party's insurance. 3. After car was repaired, there are some rattling sounds in the car, near the dashboard or car door (near the panel which was repaired). 4. Car workshop cannot find out the sound. Claimed that the sound was already there before accident. Asked me to check out with the car authorised agent. 5. I send my car to the agent for check-up. They heard the sound and is unsure where it is from. 6. As the car is under warranty, they are agreeable to do a check FOC. They may even issue a courtesy car as they are unsure how many days they'll need to diagnose and solve the issue. 7. I have not told them about the accident. In case, they refuse to do any checks. That's what my workshop advised me. Now, I am concerned if they open up the car and discovered there are tell-tale signs that there have been repairs, though not directly linked to the sound. They may not honor the warranty or worse, they will charge the time-cost and courtesy car usage to me. So, what should I do? Inform them the car was involved in accident but does not seems directly linked to the sound? Worst case, the agent charges for the repairs and courtesy car due to discovering that it is involved in accident. Can i still claim from insurance for these costs? Your advise will be greatly appreciated... thanks

Sat, Mar 27, 2010 The New Paper LoopHole!!! Cabby refuses to pay up for car accident :mad http://motoring.asiaone.com/Motoring...25-206694.html By LEDIATI TAN THEIR car was hit by a taxi from the back. But when they later tried to claim the $2,000 repair bill from the cabby's insurer, they were told that the cabby had signed a letter discharging them and the cab company from all claims relating to the accident. This means that Mr Tan Teck Yiang and his wife will have to settle the matter with the cabby privately. But so far, he has refused to pay up. Said Mr Tan, 40, a regional business manager: "This accident has been a nightmare. Can companies be absolved of all responsibilities with a discharge letter from the driver?" The accident happened on Oct 15 last year. Mr Tan's wife, Madam Seow Kwok Long, 39, a healthcare worker, was driving the couple's six-year-old Ford Laser Tierra when it was hit by a TransCab taxi at a junction along Ang Mo Kio Ave 3. She was alone at that time and had stopped at a red light. She said: "It had just stopped raining and the road was a bit wet. The driver said that he couldn't stop in time." Madam Seow noticed small dents on her car's bumper, while the taxi's right headlight was broken. "I told him if the damage is not serious, I would not make a report. But if the damage is serious and repairs are needed, I would have to make a report," said Madam Seow. On her father's advice, she reported the accident to the Independent Damage Assessment Centre at Sin Ming. She said that she did not inform the taxi driver as she thought that the insurance company would do so. The total repair cost plus vehicle rentals came up to $1,968. The rear bumper and the reverse sensor had to be replaced. In December, Mr Tan was informed by the workshop that the cabby had signed a letter discharging TransCab and its insurer at the time, Liberty Insurance, from all claims relating to the accident. He then met up with the taxi driver, Mr Johnny Yow, 52, at the workshop on 29 Dec last year. Mr Tan claimed that Mr Yow disagreed with the repair costs and refused to pay. When contacted, the cabby disputed the extent of the damage caused to Mr Tan's car. Said Mr Yow: "It was just a slight knock. There was no damage at all (to the other car). When it happened, she and I agreed that since the car had no damage (and no one was injured), the matter will be dropped." A spokesman for TransCab said that as Mr Yow did not report the accident to them within 24 hours, he has to pay the full excess up to a maximum of $2,800. She added that Mr Yow had signed the discharge letter because he wanted to settle the matter on his own, although the company does not encourage its drivers to do so. Said the spokesman: "Once the driver signs the discharge letter, then it's hard for the company to handle the case. We cannot withdraw the discharge letter." Mr Yow said he signed the discharge letter because he wanted to negotiate a private settlement with Mr Tan. "I'm not willing to pay, but the accident did happen. It's my mistake," said the cabby. "If they want to settle, I'm willing to pay $300, but will they accept it or not?" Mr Tan said the amount was unacceptable. He has written to the Land Transport Authority (LTA) and the General Insurance Association of Singapore (GIA), expressing his concern over the use of the discharge letter which he felt was a loophole. "Do we want a situation where taxi drivers can just go back and sign discharge letters after all accidents?" asked Mr Tan. When contacted, an LTA spokesman said: "As the insurance contract is an agreement between the insurance companies and the owner of the vehicle, drivers are thus advised to seek GIA's assistance with regard to the claim." However, Mr Derek Teo, president of GIA, said that it was "not GIA's authority or place to intervene in claims matters between an insurance company and its policyholders or third party claimants". He added: "GIA has always encouraged our members to resolve claims disputes with their customers to reach a settlement quickly and amicably." When contacted, Mr Roland Heng, assistant manager of claims at Liberty Insurance, said: "Our position is very clear. The driver failed to report the accident. He then signed a discharge letter so Liberty Insurance is unable to proceed with the claims." The deadlock has left Mr Tan upset and frustrated. Although Mr Tan is aware that he can take legal action to recover the money, he is reluctant to do so. He said: "Even if the court rules in our favour, we could end up spending a lot of money on legal fees, without getting anything in return, if the taxi driver is incapable of paying up." Cabbies should make accident report within 24 hours TAXI drivers are required to make a report to the company within 24 hours or by the next working day of the accident, said two other taxi companies we spoke to. ComfortDelGro cab drivers are also told to make a police report, said Ms Tammy Tan, ComfortDelGro's group corporate communications officer. She added that if its driver is found to be at fault, he can be liable for up to $1,500 for third party excess. An SMRT spokesman said that if its driver is at fault, he would have to pay a "contribution to repair cost" and the "excess" when the third party makes a claim. She did not specify what the amount was. She added that if drivers are found to be at fault, they have to pay a higher excess if they failed to report the accident within 24 hours and there is a third party claim against them. This is to encourage drivers to report accidents as soon as possible, she said. SMRT cab drivers are also allowed to sign a Letter of Undertaking in which the driver is personally and fully liable for all claims arising as a result of an accident. But this is uncommon, she said, as the majority of drivers prefer to let the company handle the accident case on their behalf. ComfortDelGro's Ms Tan added that under the Motor Vehicle Act, cabbies are not allowed to discharge the insurers from accident cases where injuries are involved. This article was first published in The New Paper.

Hi bros, I was involve in an accident some time ago. Today I receive a notice by the other party insurance saying they will be claiming me 15k++. From that accident, I am sure it is an over claim as I show those pictures to the mechanic and he also tell me is over claim. Sure is claim by some black shop. Bros what should I do now? Need advice from expert here. I am planning to go down to my insurance company on monday and talk to them.

Dear All, Just got an accident, got rear-end by another car. Bumper still attached, but part of it caved in and boot cannot close properly. Exchanged driver and insurance details. By right, should just claim insurance and case closed. But my car is already more than 7yrs old, plus already thinking of changing car this year, but not right now. So if I claim insurance and repair the car, then scrap it 3-6 months later... Quite wasted... Alternatively, discuss a private settlement with the other driver (~ $2-3k) and take the cash and scrap the car... About 6 months back, a dealer offered only $800 above paper value for my car... So treat it as a "dealer" buying it for $2-3k... At least the other owner save on next insurance premium renewal... It should be a win-win situation... Not sure whether I am doing the right thing here... Please advice... Cheers...

http://kitchentigress.blogspot.com/2010/01...thday-cake.html OCBC did advertise they give free birthday cakes to customers right? but what happens when a customer actually shows up asking for one? funny

Hi all, Last week my BM 1.8 Toyota Wish has accident at main junction, car was badly damaged and surveyor stated it is beyond economical to repair and going to scrap the car. My ride is less than 1 yr, so under A!Gee term, the contract written they should replaced me a new ride with "Same make" and "Same model" if car is available from BM (and only BM, can

Have received my insurance renew letter from NTUC. Discover that my NCD was reduce by 10% from 50 to 40. Call them up to find out & they told me is due to an unreoprted accident in April this year. I further question them is there any claim make on my policy, they say no. It is a minor accident which my car have slight contact with the front car. But only small dent & hence, we both setle on the spot & sign a agreement that he will not make any claim on me. So, can NTUC reduce my NCD because of this unreported accident?

Windscreen hit by hard object and chipped off quite badly, want to change whole windscreen (front). Understand that I can claim insurance and pay a sum of money, $100? Can I get it done at AD?

Look at her crap driving! ======================== STOMPer J is offering a reward for anyone with information regarding a taxi driver who hit his car on Sep 27 at 9:30pm along Airport Boulevard Terminal 1.

wife drove the car accidentally just touch the bumper only of the taxi infront, even took pic that there wasn't even a dent in the back of the taxi! the claim for workshop is $1500, then when we submit the pic to our motor insurer, the claim reduce to 500. But what came as a shocker next was a 3rd party claim(the taxi driver) of bodily injury of $7.2k wow lao, i mean the taaxi driver was ok lor, he even came down to talk and investigate and was alright. i think just becuase cannot claim workshop, he play punk and claim bodily harm, ok maybe he can fake back pain and get doctor certify. but really sianz... i was in the car with her and saw the whole incident..sianZ

Anyone encounter before please advice I meet an accident oct last year opp driver admit fault at TP and was fined my car was forced to scrap, my insurance don't not want me to repair (beyond econ) My insurance scrap my car for $31000 less outstanding I got back 11k+ The authorised workshop refer my case to lawyer assign by my insurance company for general damage - I was offer 1.5K and for speacial demage - was offered I claim 1. car rental $2K 2. excess 3. medical fee the other expenses for getting 2nd hand car , the other party insurance refuse to paid 1. transfe fee 2. football money 3. early settlement penalty for the previous car any chance to fight to court

to cut story short, so using point form: - honey bees tried building a hive in my house's sub woofer - called my Town Council who sent down their pest contractors 3 to 4 hours after my first call to them - contractor eradicated the problem, and i paid the contractor directly as Town Council earlier informed that it is my responsibility to bear the cost, as the bees were building a hive in my house, not comon area. - no choice got to pay, otherwise my whole house would be filled with bees. - tried seeking compensation from Town Council later - eventual answer from Town Council is no, on the basis that "functions of a Town Council are to control, manage, maintain and improve the common property of the residential and commerical property in the housing estates of the Board within the Town. You may also wish to check the lease agreement signed with HDB that the lessee of the flat is responsible for the upkeep of the flat. " - subsequently, I asked Town Council that if i had immediately dumped the sub-woofer into the common rubbish dump area, who will assume the responsibility? Their reply was Town Council. in gist, really feel that i have been penalised. While trying to be a good resident by containing the problem within my house compound, i could have easily dumped the old sub woofer into the common and case closed. Sigh

its an accident which the tp had concluded the other party's fault. so now, how can i proceed with the medical and misc claims? its a vehicle vs old man

Hi Guys, Please advise, 18 months ago, involve with an accident. The other party admit fully his fault and will bear the 100% claim from his insurance( A ) He arrange my vehicle to tow back to his appointed workshop. So I never report to my own insurance becasue there is no claim on my insurance(B). When I collected my car from the workshop, I had checked with the workshop owner how much is damage but he never reveal to me the price and told me not to worry as not my fault and will claim 100%. damage from the other party insurance A.After 2 week, the worshop owner called me and ask me to drive my vehicle to his workshop for taking of photo from insurance A investigator or so. Since then I thought the case already settled. So after 12 months , I change my Insurance A to another company insurance C. but today, after 18 month from the accident, I received a lawyer letter and told me this case had not being settle.(This lawyer is engage by the workshop to fight the Case with Insurance A) Request me to go to lawyer office to take statement. He told me now Insurance A only willingly settle 70% of the claim and 30% will be bear by me.However till today, I still do not know the price that the workshop claim from the insurance A. I thought the case already closed since 18 months ago. Now my question is. 1) if really the case now is 30% bear by me. Will insurance B liable for the 30% as I did not report to them 18 months ago when the accident happen? 2) And if insurance B do not want to bear the 30% and will the workshop chase me for the 30% cause till today i still do not know the actual reparing cost???