Accident in Carpark

[Edminski]

i am sorry...

 

but from the picture...its icekitten knock on the Latio

 

I understand how you feel icekitten though..but on evidence wise..you are disadvantage...

 

hope this can private settle nicely for you

Edited July 21, 2010 by Edminski

[Van]

From the pics , at least one or both are parking goondus

 

[Van]

Looks more like icekitten reversed into the latio without checking

[Icekitten]

  On 7/21/2010 at 5:03 PM, Piyopico said:

Sis, let me tell you how much you will potentially lose by the NCD thingy:

 

Existing 40% NCD.

Renewal 10% NCD. (NCD drops by 30%).

After one year you get 20% NCD.

2 years later 30% NCD.

3 years later 40% NCD.

4 years later 50% NCD.

 

So in the first year you lose 40% you could have gotten 50% NCD but you get only 10% after a claim.

2nd year you get 20% NCD so you lose 30%.

3rd year you get 30% NCD so you lose 20%.

4th year you lose 10% NCD.

 

Now I am assuming you get be claims free for the next 4 years. And assume basic premium is a low S$1000 (which you will not get after an accident).

So after claiming and going all out on a 3rd party claim, you lose a total of 100% of the premium. Meaning you stand to lose at least S$1000/-........ You will only not lose so much if you can get less than 30% blame. Dun think so in your case.

 

Right now most basic premium is more than S$1000 so your potential total loss is more likely about S$1500. At the same time you still must pay for your own repairs first cos it is below excess and you case is 50/50 so workshop will not repair for free.

 

Settle privately maybe cost $300.

 

 

I have checked...worst case is lose 20% meaning left 20% at the point of next renewal.

 

Have done my sums already :). Will be paying about 60% more than I should be paying should my NCD have continued as per normal.

 

I know that private settle or even paying for both parties damages myself is cheaper....but yeah...I am not willing to because I am very firm that I did not cause the accident. Not paying excess because I am proceeding straight with a 3rd party claim...Excess is only for own damage claim...

[Van]

  On 7/21/2010 at 5:05 PM, Edminski said:

I agree with your point 100%

 

Hazard lights will reduce confusion, cos you already giving signal that you are coming to a complete stop ready for parking

 

I tried before, using left/right signal. Those cars behind me still keep close to me

If i use hazard lights, they will prepare to stop and let me park

 

alamak another one who confused people with hazard lights

hazard lights -----

used when you are out of position , like when engine dieded in the middle of road etc--

OR

used when unusual driving situation, like when suffer heart pain during drving etc--

 

normally implies emergency or awkward situations

 

NOT for parking, NOT for blinking in heavy rain

[Icekitten]

  On 7/21/2010 at 5:34 PM, Van said:

alamak another one who confused people with hazard lights

hazard lights -----

used when you are out of position , like when engine dieded in the middle of road etc--Agree

OR

used when unusual driving situation, like when suffer heart pain during drving etc--I don't think one should be driving with heart pain...Best find somewhere to stop, then yes hazard lights applies...not while driving...

 

normally implies emergency or awkward situations

 

NOT for parking......, NOT for blinking in heavy rainAgree

 

[JX83]

  On 7/21/2010 at 5:34 PM, Van said:

alamak another one who confused people with hazard lights

hazard lights -----

used when you are out of position , like when engine dieded in the middle of road etc--

OR

used when unusual driving situation, like when suffer heart pain during drving etc--

 

normally implies emergency or awkward situations

 

NOT for parking, NOT for blinking in heavy rain

 

 

I disagree with u.. I think using hazard light to stop and then prepare to park is a better way then u signal right or left inside a mscp and maybe u are right signal left or right is good but for open carpark which is what i think.. Most ppl see it will likely to just turn to the other side and move off..

 

[DKSCORPIO]

Looks like Goldie reversed so much slower than a turtle into its shell lot , you may have assumed it had gone in liao by the time you reversed to that "Bang" point . Sometimes things just happen split second .

 

Looks like nia....dun quote me , but hope everything is settle out !

Edited July 21, 2010 by DKSCORPIO

[Piyopico]

  On 7/21/2010 at 5:30 PM, Icekitten said:

I have checked...worst case is lose 20% meaning left 20% at the point of next renewal.

 

Have done my sums already :). Will be paying about 60% more than I should be paying should my NCD have continued as per normal.

 

I know that private settle or even paying for both parties damages myself is cheaper....but yeah...I am not willing to because I am very firm that I did not cause the accident. Not paying excess because I am proceeding straight with a 3rd party claim...Excess is only for own damage claim...

 

Sis , cannot be. You will not get 20% next year. Very sure. IT is always a reduction of 30% from your existing NCD.

 

I am very very sure. You go check again. Potential loss is 100% of premium. Excluding charges for own repairs. Workshop do 3rd party means what? They hire a lawyer or they just type a letter and make a demand on the other insurer? You gotto check this too. I am not sure why your workshop is claiming 3rd party for you on a 50/50 case unless you signed a letter of indemnity to pay them back in case your claim is unsuccessful. You check this too. No free lunch.

 

Good luck.

 

[Lamemonster]

50/50 case.....

 

ins might ask you to settle the repair ... to protect your ncd

 

 

 

2cents

[Whisper_2000]

  On 7/21/2010 at 5:03 PM, Piyopico said:

Sis, let me tell you how much you will potentially lose by the NCD thingy:

 

Existing 40% NCD.

Renewal 10% NCD. (NCD drops by 30%).

After one year you get 20% NCD.

2 years later 30% NCD.

3 years later 40% NCD.

4 years later 50% NCD.

 

So in the first year you lose 40% you could have gotten 50% NCD but you get only 10% after a claim.

2nd year you get 20% NCD so you lose 30%.

3rd year you get 30% NCD so you lose 20%.

4th year you lose 10% NCD.

 

Now I am assuming you get be claims free for the next 4 years. And assume basic premium is a low S$1000 (which you will not get after an accident).

So after claiming and going all out on a 3rd party claim, you lose a total of 100% of the premium. Meaning you stand to lose at least S$1000/-........ You will only not lose so much if you can get less than 30% blame. Dun think so in your case.

 

Right now most basic premium is more than S$1000 so your potential total loss is more likely about S$1500. At the same time you still must pay for your own repairs first cos it is below excess and you case is 50/50 so workshop will not repair for free.

 

Settle privately maybe cost $300.

 

 

Yes yes yes, settle privately & each repair with own cost. Like i said earlier, your repair should only cost $100-$300. Think about it, you spend so many hours asking for advise here & visit a few workshop(+petrol).

 

Just for that small sum of money, you stand to lose more(ncd lost + possible premium increase). Somemore you prepared to go court, you really very free ar? It's not like someone got seriously injured or died. In spore, minor accident are common, pay a little & save lots of future sleepless night.

 

I know it's not just money to you, it's probably you want to have justice done but in the end you may not win & have lots more to pay. I kena with one bloody sonata taxi side to side brush which is his fault but in the end he say my fault in his report. Spoke to my insurer & they said 50% chance & may affect ncd & future premium. So how, in the end L L repair my own car lar($300).

 

In spore where traffic is heavy + impatient drivers + blur drivers + dishonest drivers, everytime little bit you wanna go court ar? Then in your next 20 - 50 years of driving life, you're gonna be very very busy. U dun want to fork out own money now but want other people to force you come out with more money later(eg. insurer) ar ?

 

One solution, stop driving & take public transport then you don't have all these problem liao

[Leon24]

TS, though i pity your plight, but i think you could be in the wrong still (under the eyes of law) for not exerting enough caution while reversing.

 

[Tansrb]

  On 7/21/2010 at 6:55 AM, Ruzhyo said:

I see many people advice TS to lie so as to "WIN" the case.

 

Do wrong thing, anyhow use hazard lights, no signal, bang other car and still think not in the wrong and wanna lie to "win" case?

 

LOSER!

 

Suck it up and pay for the damages or claim insurance lah.

 

Since you already state all the happened here, I sure hope the insurance company catch your lie and sue u for insurance fraud if you did a false claim.

 

u remind me of one stereotype. keyboard warriors.

 

sure you can talk big as hell here. lets see your balls shrink to the size of peanuts when something in real life happens. get a life, kid. surely you do know what when a car is reversing there would always be the reversing lights? heck that signal is as clear as day about one's intention.

[Edminski]

  On 7/21/2010 at 5:34 PM, Van said:

alamak another one who confused people with hazard lights

hazard lights -----

used when you are out of position , like when engine dieded in the middle of road etc--

OR

used when unusual driving situation, like when suffer heart pain during drving etc--

 

normally implies emergency or awkward situations

 

NOT for parking, NOT for blinking in heavy rain

 

- You are quite outdated leh...Nowadays all new cars comes with "Hazard lights automatically turn on when you open your door". Dont you know?

So u mean that when i open my door, wow i am on emergency case already?

 

Some people open door to park. And this hazard lights on automatically. Dont you know? We cannot turn off the hazard lights at all. Do you wanna to tell all the car manufacturers to change this because of your above?

 

If based on your "theory" above, these new cars are not allowed to drive in Singapore already

 

- People stop car to pick up people along the road. Taxi driver used hazard light often when they come to a stop to pick up people

 

- Whenever your car comes to a stop, its courtesy to use hazard lights to inform cars behind that your car is coming to a stop

 

This is hazard light issue, there is no right or wrong. Dont say until that you are 100% right leh

Edited July 22, 2010 by Edminski

[Galantspeedz]

  On 7/21/2010 at 6:20 PM, Tansrb said:

u remind me of one stereotype. keyboard warriors.

 

sure you can talk big as hell here. lets see your balls shrink to the size of peanuts when something in real life happens. get a life, kid. surely you do know what when a car is reversing there would always be the reversing lights? heck that signal is as clear as day about one's intention.

 

quick jio him BC2!!!

[Galantspeedz]

  On 7/21/2010 at 4:58 PM, Icekitten said:

Different insurer.

 

I don't think it is an option coz repairs already handed over to workshop who will be making full claim. If really wanna settle own repairs hubby has his own contacts who can do it cheaper for us.

 

When other party is GL then talk so much also no point. Right?

 

 

I don't mean that I will be satisfied with a 50-50 result but I understand that 100% win is difficult for my position. But still, got try better than not trying at all. Now let the insurers fight lor.

 

i think you mistaken what i say... when i say settle it means everything has been decided by insurer, what is left is to pay to workshop... so instead of insurer paying the workshop and reducing your NCD... you pay to the workshop instead and save your NCD...

 

it does not matter is 30-70, 40-60 or 50-50.. what matters is how much the insurer got to pay... and if you are comfortable with the amount.. you can speak to your insurer that you pay the amount instead if it does not affect your NCD...

 

nothing to do with you speaking to the other party.

[Cyberet]

  On 7/21/2010 at 5:51 AM, Redboy said:

actually, on hazard light when parking is a silly thing to do!

To some drivers, hazard light means to stop but not to park.

Hence, the misunderstanding occurs, esp now that we have so many foreign drivers on road.

 

The latio driver can just say that TS turn on hazard light & didn't expect TS to be parking.

In the eyes of TP & driving school, hazard light is not recognized signal for parking, anyway.

 

Having said that, latio driver must bear some of the blame as she didn't check clear before exiting the lot, even though it's just some adjustments of vehicle position in lot.

This is basic safety which everyone knows. C'mon!

And it shows lack of situational awareness & patience!

 

anyway, case already happened. no point scolding vuglarities at one another!

It just shows lack of class in a person!

 

I also encountered close shave.

 

I was searching for lot & found an empty lot beside a taxi with driver sitting inside.

So when I was reversing in, the taxi driver opened the door & almost hit my vehicle.

He apologised & I let the matter go. But dunno what he is thinking about!

sadly, i've tried using signal for parking numerous times, but drivers still like to tailgate so close that i don't have space to reverse into the lot.. but hazard works..

anyway both vehicles were trying to park in the lots, and it occured in a carpark, most likely settlement would be 50/50..

[Ben5266]

Very good in studies.... Scholar.

Remember and follow the book rigidly... bookworm.

Of course, don't Walk between the rules la .... Cheat.