Pltang Clutched August 23, 2011 Share August 23, 2011 Yes, surveyor went down already, no dispute on the costs but dispute on the liability, workshop say if 3rd party dun pay then my fren also lan lan....so better to claim 1st party first....at most pay 600 and lose ncb....if claim 3rd party and they refuse to pay can lose up to 8000 as long as he kena bang from behind, confirm he will win the case... 3rd party claim will need to bare charges including the rental.. tats wat i was told by the workshop and idac when i got hit... ↡ Advertisement Link to post Share on other sites More sharing options...
F1f2 Clutched August 23, 2011 Share August 23, 2011 This can take up to 2 years. If you have to take the 1st party claim and claim the 3rd party later, by all means go ahead as you need the car in the first place or it is badly damage. Base on my experience, I was driving a Honda City and it got rear ended. I claim 1st party and claim the 3rd party later as the other party refuse to admit his liability and did not report. When it comes to renewal, my premium cost more than the premium for a WRX even though my NCD was not affected. no other insurance company is willing to cover my car as the case is still not settled. In the end I have to give my car. that's why i really wonder, why people keep discuss about in car video recording system? is it really working? is it the 3rd party can pay 100% within 5-6 months? because what i know, if we are still insist we are in the correct side, with the 100% bulletproof evidence(HD video camera), we need use our own lawyer, not our insurance lawyer. can someone use in car video recording system share your experience when use it as a proof of evidence? Link to post Share on other sites More sharing options...
Sabbie Clutched August 23, 2011 Author Share August 23, 2011 This can take up to 2 years. If you have to take the 1st party claim and claim the 3rd party later, by all means go ahead as you need the car in the first place or it is badly damage. Base on my experience, I was driving a Honda City and it got rear ended. I claim 1st party and claim the 3rd party later as the other party refuse to admit his liability and did not report. When it comes to renewal, my premium cost more than the premium for a WRX even though my NCD was not affected. no other insurance company is willing to cover my car as the case is still not settled. In the end I have to give my car. that's fugup....but at least this case was reported to all parties Link to post Share on other sites More sharing options...
Pltang Clutched August 23, 2011 Share August 23, 2011 if that's the case, why is the insurance company behind denying full liability? making it a hassle for everyone involved should my fren write to public forum and shame this company? your fren's insurance/workshop should be helping him to claim the 3rd party against the taxi.... i heard that chances the taxi representative may not be the insurance agent.... Link to post Share on other sites More sharing options...
F1f2 Clutched August 23, 2011 Share August 23, 2011 as long as he kena bang from behind, confirm he will win the case... 3rd party claim will need to bare charges including the rental.. tats wat i was told by the workshop and idac when i got hit... if the accident not happen in highway, if the other party can said anything, like the front car (in jam traffic condition or parking) reverse without see anything. because when accident happen, we can not force other party to sign on what actual happen right? they make report what/ how accident happen with their own version we make report what/ how accident happen with our own version Link to post Share on other sites More sharing options...
Pltang Clutched August 23, 2011 Share August 23, 2011 if the accident not happen in highway, if the other party can said anything, like the front car (in jam traffic condition or parking) reverse without see anything. because when accident happen, we can not force other party to sign on what actual happen right? they make report what/ how accident happen with their own version we make report what/ how accident happen with our own version that's provided the taxi can produce evidence that isnt his fault, example, the front vehicle reverse into him..... 100%, per what IDAC says when i reported mine, the one behind is liable.... Link to post Share on other sites More sharing options...
Sabbie Clutched August 23, 2011 Author Share August 23, 2011 your fren's insurance/workshop should be helping him to claim the 3rd party against the taxi.... i heard that chances the taxi representative may not be the insurance agent.... They contacted the insurance company representing the taxi and the company wrote back they only willing to accept 50% Link to post Share on other sites More sharing options...
Civic2000 Supercharged August 23, 2011 Share August 23, 2011 although many of us hate ntuc due to their unreasonable increase of premium but when came other party claim against you they will aggressively defend What will happen if the taxi is also insured by NTUC? I guess all Comfort Taxi are probably insured by NTUC. Link to post Share on other sites More sharing options...
Sabbie Clutched August 23, 2011 Author Share August 23, 2011 What will happen if the taxi is also insured by NTUC? I guess all Comfort Taxi are probably insured by NTUC. It's not a comfort cab....and insurance company is the type who likes to cook curry... so what to advise my fren...claim 1st party first? pay the excess and courtesy car and then wait for them to claim back from 3rd party? Link to post Share on other sites More sharing options...
Hermitage 1st Gear August 23, 2011 Share August 23, 2011 They contacted the insurance company representing the taxi and the company wrote back they only willing to accept 50% Can't understand how this can be. It's as straight forward a case as striaght forward can be what! He's got pictures right? Just go ahead and claim 100% 3rd party even if you have to fight it out. Your friend's insurance company should do the fighting, not himself. If this type of case they also not confident of winning, they shouldn't be in the insurance business!! Link to post Share on other sites More sharing options...
Laworder17 1st Gear August 23, 2011 Share August 23, 2011 (edited) According to BOLA Scenario 28, vehicle behind is 100% liable for losses incurred by the vehicle in front, this is regardless whether the front vehicle jam brake or not because the vehicle behind is supposed to keep a safe distance from the car in front. The car behind (taxi) can only argue to reduce the liability by the fact whether the front vehicle frontal damage is due to him colliding into your friend's vehicle and resulting in your friend's car hitting the stationary truck in front, or your friend himself cannot stop in time. Jam braking shouldn't be cited as a factor at all. Barometer of Liability Chart I agree with Bro Samueltan76, the car at the back(Taxi) is fully at fault if not 90%. The Taxi should had kept a safe driving distance. I highly doubt that the taxi driver has kept to their minimum safety distance. A year ago, i also met with similar kind of accident, , the car in front of me jam brake to avoid traffic light as it's turn red, so i have to jam brake as well. I have kept my safety distance between the front car and mine but not the car behind me. The car behind me cannot stop in time and ramp into my car. Lucky for me, i held on to my brakes and the my car did not ramp the car in-front of me. When i go back to my AD, the SE over there look at the damage and told me that the damage is too great. In order for me to get my car back asap i could only claim 1st party as 3rd party will take quite a long time. So in the end, i got no choice but to claim myself first. Edited August 23, 2011 by Laworder17 Link to post Share on other sites More sharing options...
Solar Turbocharged August 23, 2011 Share August 23, 2011 if u claim 1st party first to expedite things, would they reimburse you, and reinstate your ncd after the case is finalized, or just bochap.. since someone already agreed to pay? Link to post Share on other sites More sharing options...
Sabbie Clutched August 23, 2011 Author Share August 23, 2011 Can't understand how this can be. It's as straight forward a case as striaght forward can be what! He's got pictures right? Just go ahead and claim 100% 3rd party even if you have to fight it out. Your friend's insurance company should do the fighting, not himself. If this type of case they also not confident of winning, they shouldn't be in the insurance business!! i checked with my fren, he said that taxi is claiming the swerving cos the accident and not a matter of not being able to stop in time.... Link to post Share on other sites More sharing options...
Laworder17 1st Gear August 23, 2011 Share August 23, 2011 i checked with my fren, he said that taxi is claiming the swerving cos the accident and not a matter of not being able to stop in time.... I think just tell your friend that to insist on his statement.....If the swerving had cause the accident, why has the taxi hood ramped on ur frd's car boot. right. The taxi driver is trying to reduce his liability. Link to post Share on other sites More sharing options...
Mllcg 3rd Gear August 23, 2011 Share August 23, 2011 actually, the rules need to change abit. they should just take from the insurance from the car that rear ended u if he dont report. Link to post Share on other sites More sharing options...
Pltang Clutched August 23, 2011 Share August 23, 2011 It's not a comfort cab....and insurance company is the type who likes to cook curry... so what to advise my fren...claim 1st party first? pay the excess and courtesy car and then wait for them to claim back from 3rd party? claim 1st party will affect NCD, means disputing case..... i will go with 3rd party Link to post Share on other sites More sharing options...
Laworder17 1st Gear August 23, 2011 Share August 23, 2011 As i mention on a earlier post, the taxi driver should be alert and had kept a minimum safe driving distance. Has he done that, apparently not. Link to post Share on other sites More sharing options...
Sabbie Clutched August 23, 2011 Author Share August 23, 2011 I think just tell your friend that to insist on his statement.....If the swerving had cause the accident, why has the taxi hood ramped on ur frd's car boot. right. The taxi driver is trying to reduce his liability. he did mention the truck swerve into his lane but he stopped in time...so being honest doesn't pay? ↡ Advertisement Link to post Share on other sites More sharing options...
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