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Motor insurance claim amount too little


Evolute8
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i got hit at the back few days ago..

 

when i went down to check, the damage was minimal, however..the other driver insisted that i claim against him

 

got a call from the appointed insurance workshop saying that i might not be able to claim against him as the claim is below 2k..i think my excess is 2k

 

is there anything i can do?

 

my car is still at the workshop..

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Take back your car.

Drive and wait for a taxi to come up behind your car. Jamm brake to agitate the taxi driver.

Allow the taxi driver to cause a accident with you. So that you can claim higher than the excess front he other party!

It's stupid to buy insurance and yet have to fork out excess of $2000 for minor accidents.

 

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Supercharged

i got hit at the back few days ago..

got a call from the appointed insurance workshop saying that i might not be able to claim against him as the claim is below 2k..i think my excess is 2k

 

if u claiming against the other party's insurance,

then where got care about your excess one?

 

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i got hit at the back few days ago..

 

when i went down to check, the damage was minimal, however..the other driver insisted that i claim against him

 

got a call from the appointed insurance workshop saying that i might not be able to claim against him as the claim is below 2k..i think my excess is 2k

 

is there anything i can do?

 

my car is still at the workshop..

 

see post #3 above.

im guessing the other party is a newbie driver and stil do not know the pain of renewing ins with an accident claim.

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Take back your car.

Drive and wait for a taxi to come up behind your car. Jamm brake to agitate the taxi driver.

Allow the taxi driver to cause a accident with you. So that you can claim higher than the excess front he other party!

It's stupid to buy insurance and yet have to fork out excess of $2000 for minor accidents.

At times you claim to be a taxi driver and now you suggest to do something like that. Are you stupid or are you an idiot? [rolleyes]

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i got hit at the back few days ago..

 

when i went down to check, the damage was minimal, however..the other driver insisted that i claim against him

 

got a call from the appointed insurance workshop saying that i might not be able to claim against him as the claim is below 2k..i think my excess is 2k

 

is there anything i can do?

 

my car is still at the workshop..

 

You claim against his policy....what has it gotta do with your excess ??

 

You can claim for lost of use as well....(unless you go back to agent then you have to claim OD first and then file the claim against his policy to get your NCD reinstated. But be warn...once you claim for OD even if you get your NCD reinstated...it will be considered as a claim before and will effect your policy renewal.

 

If its minor...go to outside workshop to settle and claim against his policy directly.

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(edited)

see post #3 above.

im guessing the other party is a newbie driver and stil do not know the pain of renewing ins with an accident claim.

apparently, the car belong's to the girl's boyfriend/husband..i heard her calling a guy

so she didnt even bother

Edited by Evolute8
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During the day of accident? you guys didnt discuss how to settle?And you didnt even claim any "damage" from him?

she just said: i give u my particulars, just claim my insurance

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(edited)

if u claiming against the other party's insurance,

then where got care about your excess one?

the workshop said something like:

'the repair is gonna cost less than 2k, so not able to claim...but we will try for you'

'even if we change the whole bumper for you...it's only few hundred, can't hit 2k to claim'

 

i seriously doubt changing the whole bumper cost less than 2k. [mad]

Edited by Evolute8
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You claim against his policy....what has it gotta do with your excess ??

 

You can claim for lost of use as well....(unless you go back to agent then you have to claim OD first and then file the claim against his policy to get your NCD reinstated. But be warn...once you claim for OD even if you get your NCD reinstated...it will be considered as a claim before and will effect your policy renewal.

 

If its minor...go to outside workshop to settle and claim against his policy directly.

how to claim against his policy directly?

 

me first time kenna this kind of stuff..

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how to claim against his policy directly?

 

me first time kenna this kind of stuff..

 

You have to make an accident report within 24hrs.

Call up ur insurance company to inform them and ask for guidance if you are not sure.

Den just proceed to workshop* ask them to settle for you.

 

DO NOT claim against your own insurance FIRST. SOme workshop will ask you to do that.

Maybe that's why the workshop mentioned about your excess.

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Take back your car.

Drive and wait for a taxi to come up behind your car. Jamm brake to agitate the taxi driver.

Allow the taxi driver to cause a accident with you. So that you can claim higher than the excess front he other party!

It's stupid to buy insurance and yet have to fork out excess of $2000 for minor accidents.

You can get cheaper premium quote with it [laugh]

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if u claiming against the other party's insurance,

then where got care about your excess one?

I believe either TS not telling the truth, or the workshop took him for a ride [laugh]

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how to claim against his policy directly?

 

me first time kenna this kind of stuff..

Do you have your own workshop for handling the claim on your behalf? If none, can check with RDY Autocare, they handle such matters for me least time. Got new door for my car.

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I think TS not telling the truth. If you claim other people insurance, no need base amount. For my case, one Malay uncle hit my car, say until so sincere for private settlement. At my back claim my insurance say I hit him even though I have black and white for him admitting fault. And guess what, the claim is only 120 dollars. Damn cheapo uncle.

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Cannot be lah if u claim third party. My last accident, I claim against the other driver and my workshop gave me the breakdown they claiming.

 

- S$300 - repair n respray of bumper

- S$100 - courtesy car

- S$70 - admin charges

 

Total claim against the other driver was S$470, approved by the other party insurance.

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