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  1. Hi all gurus. Summary of my case: Involve in an accident in 2017 and paid up for my own repair first although I am claiming the other party. 2 years on, the Workshop tells me that there is no update on the claim and they will keep my 2k deposit until the other party insurance get back to me. A more detail write-up I was being hit by another car (supposingly rented) in June 2017. So based on my friend's father advise, I went to a Workshop in Woodlands Road to make the claim against the other party. I am pretty inexperience in this area so I just follow the advice by the Workshop Boss. He told me that he is an ex-SPF and Hwa Chong grad or something, and all his friends are lawyer etc. So he knows the stuff and will handle it for me. Long story short, he mentioned that it is a 50-50 case. In fact the chances of me claiming successfully is not high according to him. So he requested that I pay him for my own car damage upfront (about $2k) and if the claim is successful, he will refund me the 2k. In mid 2018, the other party have claimed my insurance. As for my claim against the other party, the workshop mentioned that there is no update. Till date, they are still holding on to my 2k. So I asked the Workshop Boss to email the other party insurance company and get back to me on the status but he refuses and chided me for being ungrateful because he is actually helping me in a 50-50 case. I explained to him that I am asking him to do so only because I am unable to do so. I have tried getting an update from the other party insurance but they ask me to go through my authorised workshop. So my question is Is there any way I can get an update on my claim status against the other party without the Workshop? Is it possible that the Workshop have forgotten to claim the other party it is too late to claim now? Thanks all. I am really at a lost now on what to do because the Workshop refuses to assist me yet the other party insurance request that I follow-up with my authorised workshop directly.
  2. Good news or bad news? Your views? Cyclists and users of personal mobility devices (PMDs) such as e-scooters will soon have to adhere to a lower speed limit when travelling on footpaths, after the Government accepted an advisory panel’s recommendations. Starting early 2019, the current 15kmh speed limit on footpaths for PMDs and bicycles will be brought down to 10kmh. The lower speed will give PMD users, cyclists and pedestrians enough time to react to each other in unforeseen circumstances, the Ministry of Transport (MOT) said on Tuesday (Sep 4). “All riders must continue to give way to pedestrians and slow down when approaching crowded areas or blind spots. Riders should also exercise caution when overtaking other path users,” the ministry said in a press release. https://www.channelnewsasia.com/news/singapore/e-scooters-bicycles-speed-limit-footpaths-cut-to-10kmh-pmds-10682204
  3. Spotted on the facebook page 'private hire sg cars/partners - grab, gojek, ryde, tada etc', someone posted a photo of a fender bender between a BMW and a Toyota and we were shocked by how much you can claim if you were involved in such a accident. This should not cost too much to repair right? Oh wait till you see the final amount submitted by the surveyor. Yup, you saw it right. The cost of repairs on the BMW E60 5 Series would amount to a staggering $88,000. To put that into perspective, you can buy yourself a similar BMW coupled with a new 10-year COE and lots of change left for petrol and parking. Others on the post agreed too that this is one really over inflated amount. That said, there were some who thought that the is not the actual amount that was asked for... Unfortunately or fortunately, depending on who's point of view, that is the discharge voucher which you could say is going to be the actual amount paid out. Of course quite a few felt that this is wrong... Let us know what you readers think of this in the comments below! UPDATE: There are some rumors that the discharge form was meant for a Lamborghini Gallardo and not the two cars as pictured above. ----------------------------------------------- Want to know if there are any more BMW 5 Series you could buy with $88,000, check out our used car pages! -----------------------------------------------
  4. Traffic accidents can be horrific to witness. Thanks to PMDs, that horror is now brought right to our doorstep. Garnell Glenn Bernard shared this video footage on Facebook, caught on CCTV camera after his child was hit by a PMD travelling at a quoted 17km/h. The little girl wanders onto the corridor... Before being collided into by the PMD rider. In the video you can clearly see the the PMD rider was thrown off the device at high speed, as well as the fact that he had plenty of time to slow down, if he was riding at a safe speed that is. Panic naturally ensues. And the location of the incident? Right at the corridor of his block. Thankfully the little girl only suffered a minor injury to her thigh. Many here should already be familiar with the fact the PMD use has been banned along common HDB areas, but it seems like enforcement is going to be difficult due to their already widespread use. Watch the full video and share with us what you think below! 72646172_2421276288161887_7940658381548766972_n.mp4
  5. About Lee Sheng Auto Pte Ltd: LEE SHENG AUTO PTE LTD, formally known as LEE SHENG MOTOR WORKS, is an established workshop since 1979, totalling 29 years of honest, reliable and excellent experience in motor car repairs. We pride ourselves to be a One Stop Motoring Centre, just like any car agent workshop except that we will definitely will give you a smaller bill. About Our Staffs: Our staffs are committed to provide quality repair works and excellent customer service. All our staffs go through extensive training to keep up with today’s repair technology and even have a NITEC certificate in Automotive Technology. About Our Equipment: Our company have invested extensively in up to date equipment such as the Car-O-Liner Collisions Repair System for accident repairs, Handheld Diagnostic Tools to diagnose today’s fuel injection vehicles and an in-house oven baked spray booth facility to control the quality of spray painting. Thus you can be assured that we only employ the latest automotive technology and equipment to repair your car. Our Promise: Consistent, professional, quality service at a fair price.We will use only the best parts and state of the art handheld diagnosis tools & equipment available to perform repair to your car. Work done will carry a warranty of 9 month or 20,000km travelled for accident claims repairs For all engine repairs works except engine servicing a warranty of 3 months or 2000km travelled For all spray painting work and body work repair except insurance claim, a warranty of 6 months We have a total of 6 spacious unit located at : 1 Kaki Bukit Ave 6 #01-60 , Autobay 1, Kaki Bukit Ave 6 #01-58 , Autobay 1, Kaki Bukit Ave 6 #01-57 , Autobay 1, Kaki Bukit Ave 6 #01-36 , Autobay Do keep a lookout for our next post very soon! We are gonna share with all MCF users on our PROMOTION! Like our FACEBOOK page here for more updates!
  6. Services we provide: Aircon Repair Engine Oil Servicing & Maintenance Major Repair Timing belt Undercarriage Overhaul Engine / Gearbox Accident Claim / Insurance More Our services are professional and quality workmanship, no shortcut job, FULL delivery. We use only high quality material, no sub-standard material. With honesty! No gimmick! No Trick! All prices NETT! 100% Satisfaction else 100% cash back! SMS Edwin at 97856612 To make any order/appointment www.SgGarage.com
  7. Hi Seniors.. Need your advise on the below: I was involved in a cross junction traffic accident whereby I was driving straight towards a junction when the greenlight is in my favour. I hit a right turn car. My front bumper is badly damaged with engine and passenger air bags activated. The car is quoted 65k to repair at authorised dealer. As my car has a high parf of 80k and a resale same car is going at ard 100k. The opp insurance company treat this case as a total loss. As much as i will prefer to repair the car..thereis now no other offer from other workshop to take up this job. What other alternatives are available to me? As a total loss write off will be at my disadvantage? Appreciate your constructive comments please. Thanks
  8. Japan have the safest rail record does not mean accident will not happen. https://www.channelnewsasia.com/news/asia/japan-yokohama-train-truck-collision-accident-people-injured-11875426
  9. Today is the 1st time I am so involved with an traffic accident (don't worry, I am not hit or affected in anyway). I just crossed the road, walking away from the T-junction between Boon Lay Way and Jurong West Central 2, when I heard a loud bang behind me. Turning around and I saw a Toyota Altis mounting the kerb and moving onto the walkway next to it. A few meters away on the extreme right lane of the road, a Honda Fit Hybrid came to a abrupt stop against the kerb, with fume coming out from it bonnet. I immediately headed towards the Altis, which was closer to me, to check out the occupant in it. The driver stepped out of his car, filled with white smoke from the airbags activation, and immediately seated on the walkway, appearing dazy. I asked if he is ok, whether he need any assistance, etc. By then, many onlookers started to crowd around the car, taking photos and kaypoing. I asked if anyone has called the police and all kept quiet. So I dialed 999 and report the accident to the officer on the phone (I will share the details later), and request for ambulance to be dispatch (as one foreign worker pointed out to me that the other driver might need assistance). After asking the onlookers to clear away from the driver, I ran cross road to check out the occupant of the Fit. The driver limped out of his car (again, it was filled with white smoke from the airbag activation) and half laying against the kerb, complaining of chest pain and breathing difficulty. I told him to try breathing in harder and that he should lie down if he is feeling really uncomfortable. I called 999 again, to update them the conditions of both drivers, and was told ambulance is on the way (that is fast, as everything happened within just ~2 min). By then, 2 foreign workers came forward to offer bottled water to the driver, which I stopped them, for medical reasons, but the driver still proceed to take a sip of it, before I manage to snatch it away, explaining to him of the medical implication (of get choked and such).
  10. https://www.asiaone.com/singapore/toddler-dies-after-mirror-falls-her-fashion-store-jewel-changi-airport SINGAPORE - An 18-month-old toddler died in hospital on Friday (Aug 23) after a standing mirror fell on her inside fashion store Urban Revivo at Jewel Changi Airport. A spokesman for Jewel Changi Airport said that the accident had occurred because a full-length mirror in the store had fallen and injured the child. Staff on-site administered first aid to the child while waiting for the paramedics to arrive. "We are working closely with the tenant to ascertain the details of the incident," said the spokesman. "Out of respect for the privacy of the family, we are unable to comment further." The Singapore Civil Defence Force said they responded to a medical incident at 78 Airport Boulevard at 12.33pm on Friday. Police said the child was unconscious when she was taken to Changi General Hospital, where she was subsequently pronounced dead. Police are investigating the unnatural death. According to Lianhe Wanbao, the child's family, believed to be tourists from China, collected her body from the morgue on Aug 24, accompanied by Jewel staff. PHOTO: LIANHE WANBAO Urban Revivo told The Straits Times it was "deeply saddened by the tragic accident" and that it was assisting the police with its investigations. Both the store and Jewel Changi Airport said they were in contact with the family of the child and supporting them through the difficult time. According to Chinese-language newspaper Lianhe Wanbao, the child's family, believed to be tourists from China, collected her body from the morgue on Saturday morning, accompanied by Jewel staff. Pictures taken after the accident show the store was cordoned off and a sign was put up to inform customers it was "closed for stock take". Pictures taken after the accident show the store was cordoned off and a sign was put up to inform customers it was "closed for stock take". PHOTO: LIANHE WANBAO Shin Min Daily News reported that witnesses at the mall saw staff from the store asking nearby shops for ice to apply first aid for the toddler after the accident. According to its website, Urban Revivo is a Chinese fashion clothing store founded in 2006, with 200 stores in China and across the world, including Europe, North America and Japan. The store has three outlets in Singapore, including Jewel Changi Airport, Plaza Singapura and Raffles City. Several incidents have been reported at Jewel Changi Airport since it opened its doors in April. Read also Boy, 5, injured after slipper gets caught in Jewel Changi Airport's escalator On May 11, a five-year-old boy suffered a minor cut on his toe after his slipper was caught in an escalator. He was assessed by a doctor on the site after the incident. Three cases of injury were reported in June. On June 14, a woman injured her hand after tripping while walking on the sky nets attraction at Canopy Park. A 14-year-old girl required nine stitches on her face after she suffered a cut while playing at the Mirror Maze attraction at Canopy Park on June 19. A boy was taken to hospital on June 24 after getting his foot stuck in an escalator. Rescue tools were used to free the boy's foot before he was taken to KK Women's and Children's Hospital. This article was first published in The Straits Times. Permission required for reproduction.
  11. In one week there was several tragic deaths on the road 1) NUS student take Taxi at Commonwealth - Killed taking Taxi http://www.straitstimes.com/singapore/teen-who-died-in-clementi-crash-was-an-only-child-said-to-be-very-close-to-her-parents 2) Lady at Bukit Timah - Killed in a Mercedes http://www.straitstimes.com/singapore/23-year-old-woman-killed-2-others-injured-in-collision-between-car-and-smrt-bus-at-bukit 3) Pedestrians at YCK - Killed walking http://www.straitstimes.com/singapore/lorry-driver-arrested-after-3-pedestrians-killed-in-accident-near-yio-chu-kang-mrt-station Take Taxi die, Drive Car Die, Walk also Die... It has been disturbing me all weekend, what do you think is the root cause Is it a road design issue in general, or are drivers here in Singapore become more callous and careless? Or is everyone so tired, stressed/over worked that rushing around with no concentration while driving?
  12. Good info here for those who don't know. http://www.sgcarmart.com/news/writeup.php?AID=286&PN=1
  13. Hi Brothers and Sisters, Need your advice. Just met an accident recently. The other driver took photo of my driving license. However, the other driver only gave me his membership card for photo taking. His membership has his photo but his NRIC number is incomplete, eg: S78xxxx55E. So far, the info I had collected from him is his membership card photo and phone number. I had make a report at one of my insurer's workshop. 1. May I know whether we should provide the real driving license for other party to take photo at the accident site? If not, a membership card also ok? 2. What is the info that we should collected from other party at the accident site?
  14. Food delivery firms take up third-party liability insurance Pedestrians now better placed to claim for damages should they get into accident involving riders Pedestrians are now better placed to claim for damages should they get into an accident involving riders from food delivery services in Singapore. Deliveroo and Grab have already taken up third-party liability insurance for their riders, while a third company, Foodpanda, is looking into purchasing the insurance. Early this week, Active Mobility Advisory Panel chairman Muhammad Faishal Ibrahim said his panel is considering recommending that such insurance be made mandatory for food delivery firms. In a Facebook post on Monday, Dr Faishal said: "We are considering third-party liability insurance, to give more peace of mind to pedestrians and riders if an accident occurs." He said more details on the potential recommendation would be announced later. Dr Faishal had said last month that his panel was concerned about reports of reckless food delivery riders who rush to make deliveries, and that it was actively looking into stronger measures to ensure that the riders are covered by third-party liability insurance. Mr Steven Lim, a member of the panel and president of the Safe Cycling Task Force, said on Wednesday that while no final decision has been made on the recommendations, food delivery companies are already encouraged to take up such insurance. He said: "The food delivery riders are the ones who actually spend a lot of time on the streets, they clock higher mileage, so the chances of them getting into an accident are actually higher than other users." Both Grab and Deliveroo told The Straits Times that they had already purchased third-party liability insurance for their riders. Deliveroo said all 6,000 of its riders have been covered by insurance for free since May last year. "Accident insurance is applicable to riders on all vehicle types and their substitutes, while all cyclists and e-scooter riders also have access to third-party liability insurance," it said. Riders are covered by insurance at a value of up to US$1.5 million (S$2.03 million) in the event that they cause injury to another person while making a delivery. The insurance would also protect the rider in cases of property damage and cover any legal costs incurred. Grab, which runs GrabFood, said its riders have been covered by third-party insurance since June 14. It said the coverage aims to provide peace of mind to both pedestrians and delivery riders. It did not disclose the total number of riders insured or the monetary value of the coverage. Foodpanda's public relations team did not respond to ST's requests for comment, but ST understands that the company is also looking into buying third-party liability insurance for its riders. Ms Lee Bee Wah, MP for Nee Soon GRC, previously suggested that third-party liability insurance be made mandatory for personal mobility device users. She told ST that the developments are a good step forward. "Having mandatory insurance for (riders) could help many pedestrians feel they have at least some recourse," she said. "More importantly, food delivery companies should hold their riders accountable for any accidents, using their tracking technology if needed." https://www.straitstimes.com/singapore/transport/food-delivery-firms-take-up-third-party-liability-insurance covers pedestrians only, no mention of cars ....
  15. Scenario goes like this: I was stuck behind a line of cars in Lane 1 turning right so I decided to filter to Lane 2. Waited a while for some cars to pass, finally all-clear. I had entered the lane about half-way when this Nissan Note collided into my front left. I dunno whether it's evident in the video but he was filtering from Lane 3 to Lane 2. We stopped by the side and exchanged particulars and since I was in a rush to fetch my family from airport, we left the scene shortly. I did tell him that this is a 50-50 liability accident as both of us were filtering into the middle lane, so we should just both settle our own damages. https://youtu.be/P6gZbveV6Hs Subsequently, he messaged me to tell me that he's going to report the accident and claim my insurance. 50-50 accident can claim the other party's insurance? He feels that I'm totally at fault for this accident. When he makes the accident report, will the person advise him that this is likely a 50-50 scenario and thus, he should pay out of pocket for his damage? His car was quite badly damaged (dents, scratches from front driver door to rear) whereas mine can probably be settled with a polishing session. Sincerely seeking forumers' advice on whether you feel the fault lies with either party and experience in whether his claim against my insurance can be valid. This is my first at-fault accident over 13 years of driving, so not quite sure how an opposing claim on my own insurance will be handled. If he does claim successfully, I'll feel extremely aggrieved as it's clearly a case of 2 cars entering the same lane (50-50% liability according to BOLA) and risk losing my 50+5% NCD over this. P.S. My damage vs his really showed the difference between a Conti and Jap car in the event of a collision.
  16. Dear MyCarForum committee, A great job well done on the welcome gift. Very impressed and thoughtful. The Accident Kit is an extremely handy and essential gift. Would like to find out if this Accident Kit is up for sales as well. Convenient and good for all drivers to get a copy of this kit. Regards / Vin3663
  17. I was just thinking, if LTA make it compulsory for every vehicle to install a camera for their car, and when any accident happens, it is mandatory to submit the video plus account within 24 hours, wont it solve the problems of erroneous claims? the videos from both drivers will give a very accurate depiction of what actually happened from both positions, and we wont even need witness. Confirm objective. If they can make every car install 3rd brake lights (cant rem when), and also the IU, maybe the cam will be a good move?
  18. wjong

    Accident Advice

    Dear members, need some advice regarding a car accident that I was involved in. It happened a few months back and I was not at fault for the accident. I cannot understand why the other driver is still serving me a writ of summon when the TP investigation outcome is that he will be charged for inconsiderate driving leading to the accident. Any advice would be appreciated.
  19. wjong

    Advice for accident

    Dear Sir/Madams, I finally bought a new car recently after years of working and saving up. However last week I had met with a car accident and had been traumatised by the accident. The accident was totally not my fault and the other driver whom is driving a rental is claiming 3rd party damages against my insurance. I was travelling on a major road going straight and the other driver was approaching from my left with STOP wording and DOUBLE BROKEN WHITE lines on the road. I did not drive fast but the driver just abruptly drove out from the left side and his top right bonnet crashed into my top left bonnet. He had a kid and wife in the car, where his wife claimed to be feeling unwell after the accident. Although I felt his wife was over-exaggerating but giving her the benefit of the doubt, we called in the Traffic Police and ambulance. I basically had the right of way and he just drove out without checking for oncoming traffic imo. He claimed that he checked for all blindspots and only drove out when the traffic from the right was clear. There was a tree blocing both of our views but how can the traffic be clear as per what he claimed. But the other driver started scolding me that I was driving fast and could not stop in time to avoid him after the accident happened! He even asked me to write a letter stating that I am in wrong for the accident, which I did not write the letter. I told him that we should leave it up to the insurance companies to settle this matter. I claimed 3rd party damages for my car against the rental car insurer as it was not my fault. A few days ago I received news from my insurer that the a 3rd party claim had been filed against my insurer. What I cannot believe is that the other driver is claiming injuries for his whole family(Other driver: spinal injury, Kid: Chest pain and bruise on forehead, Wife: Bruise and hip injury)! How can they do this? The cars were slightly damaged only! On the accident day, when the paramedics and TP asked the other driver and kid if they were alright on that day, they replied that they were alright. Only the wife was conveyed to hospital by ambulance. My insurer is putting a reserve amount of 20k SGD for this 3rd party claim pending investigation outcome. This is not right! I am very unhappy about this matter and would like to seek advice on what I should do. I want to make sure I am not penalised and would not have to accept any liability for this accident.
  20. Was rear ended. Clear-cut fault of the party as he did not stop and rammed into my vehicle. Did not experience any noticeable injury then. Took photos and exchanged contacr. Wanted to keep it fuss free and private settle as the other party admitted full liability. Reported to my insurance. Was told to bring car to any approved or preferred workshop with the Accident Report to process with the accident repair. Today I am beginning to feel effects of whiplash. Havent seen a doctor yet. If medical is included with vehicle repair, I dun think can private settle as sum will be too big. I am not familiar with accident claim. I heard workshop can do medical claims for the customer? I just want some party to arrange all these for me. Also my car has been treated with 9H ceramic coating. After rear is repaired/replaced/sprayed, will recoating be included in repair? Can someone recommend a workshop that can take care of this?
  21. kelaihoyin

    Third Party Claim Query

    Hi All, Recently I was met with this incident, Long story short: Nissan guy side swiped me as he was going straight on a RIGHT TURN only lane. I was on his left. Evidence from front and back cam submitted to my workshop and claiming third party. Both side reported accident but according to workshop he said that the other side is refusing to admit fault and insisted that I turned into him which the video clearly says it isn't. Workshop mentioned the third party insurance persuaded the driver to admit liability but he refused so now the process is stuck. Workshop told me that if the Nissan driver refuses to admit fault there is nothing we can do. But if the other party has already reported the accident and evidence is secured shouldn't the third party insurance determined whether whose fault is it and deciding liability instead of needing the driver to admit his fault? Appreciate if anyone can advise on this because a simple side swipe like this already dragged on for 2 months. Seems pretty much a way for insurance company to drag out the case until you give up in the claiming process.
  22. http://www.channelnewsasia.com/news/singapore/state-courts-launch-motor/1080434.html must buy one: $15
  23. 2BDriver

    Freak Car Accident

    This morning I heard a loud Bing Kiak....Pong freaking noise, turn around took a good look with shocks and snap some pictures. God blessed nobody were injure when it happened in a split of a second [ attachment=82943:Pic_s_for_MCF_009.jpg]
  24. On and off, we have came across news about parents leaving their kid in locked car or at home, while rushing to run errands, but mostly nothing serious happened to the helpless young ones. This latest incident is really heart wrenching though... May the boy rest in peace. 5-year-old boy falls to his death after he was locked inside 8th floor Woodlands office SINGAPORE - A five-year-old who was accidentally locked inside his parents' eighth floor Woodlands Close office was found dead at the foot of the building on Saturday (Jan 5). Soo Jia He is believed to have attempted to escape through a window after he had been left alone for around 10 minutes, said his parents. Soo's mother, who gave her name only as Ms Hu, told Shin Min: "Our home is only a five-minute drive from the office. I couldn't believe that when we rushed back to the office, we would see my son's body lying on the ground floor." Ms Hu added that she noticed that the office window was opened when she returned to the scene. She believed that her son could have fallen from the window in a panic, having witnessed their car driving away, a friend of the family told The Straits Times at the boy's wake on Sunday. The police said that they were alerted to a fall from height case at 11 Woodlands Close at about 9pm. The boy was found lying motionless at the foot of the building and was pronounced dead by paramedics at the scene. The police are investigating the unnatural death. Chinese-language newspaper Shin Min Daily News reported that the boy's parents had taken him and his brother to their office that day, and he had fallen asleep while they did some work. The couple run an education centre, though there were no lessons held on Saturday. When it was time to leave, the boy's father switched off the lights in the office and they drove home with his older brother. It was only when the couple arrived at the carpark of their home did they realise that they had left their son behind. When ST visited the building on Sunday afternoon, candles and joss sticks had been placed near the accident site - following a ritual the parents had commissioned for their son earlier that day. The boy was the youngest of the couple's four children and he was doted on dearly by everyone, said the boy's father, who wanted to be known only as Mr Soo. They have a daughter and two other sons, the oldest of whom is 18. The other two are in primary school and secondary school respectively. "It is a tragic accident that nobody could have foresaw", Mr Soo told ST at the boy's wake on Sunday night. He said both he and his wife had not slept since the accident the day before. He said: "We don't know for sure how it happened, but all that does not matter now, the end result is still the same. "Just like that, our son is gone. How are we going to be okay again?" And please, for the seek of the deceased and his parent, don't start questioning how could such things have happened, or condemning the parent, as they are already filled with guilt... Let just help to remind ourselves and people around us to be more careful and mindful when dealing with young children, and think twice about leaving them alone, even just for a short while...
  25. Dear all, I was having a minor collision with this Causeway Link bus(yellow ones) on the causeway bridge towards Singapore custom (just came out from JB custom), I was trying to merge into lane 1 with signal on and the bus refuse to give way and hit the right side of my car near the rear wheel and rear right door while I already stopped (not sure whether he purposely hit me or not). So this bus driver said we both report to insurance and refused to provide me his particulars stating the company name and plate number sufficed. I filed online accident report with my insurer (AIG) and made police report also when I came back to Singapore. I would like to know that if I don't claim my insurance company (new car excess $800 and lost my NCD) and go outside workshop to do the job(around $850), will there be any problem? If the bus company insurer claim against mine, do I still have to fork out another $800 excess for this case? Have been calling AIG hotline for the whole morning but couldn't get through, so would like to hear dear bro's opinion on this. Thanks and happy new year to all!
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