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Insurance Company refuse to take Responsibility


Sabbie
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he did mention the truck swerve into his lane but he stopped in time...so being honest doesn't pay?

 

ur fren still stopped in time, meaning he kept a "safe distance", the taxi driver apparently didnt..... the 3rd car shld be liable for 2nd car hit and not blame the 1st car...

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ur fren still stopped in time, meaning he kept a "safe distance", the taxi driver apparently didnt..... the 3rd car shld be liable for 2nd car hit and not blame the 1st car...

 

Totally Agree....

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I dun think my fren would accept the 50% liability, the issue is the workshop ask him to claim 1st party first and then they will help him to with the 3rd party recovery...according to them it is safer as he just need to pay the excess and temporily lose his NCB, if he fight for 3rd party and he loses, he may end up paying 8k...

 

if claimed first party and later workshop managed to recover from 3rd party FULLY, which means my liability is 0% and my NCD should not be affected?

 

Anyone who make 3rd party recovery before can advise?

 

thanks!

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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.

 

wat you expect taxis are really dangerous on the roads....every time i see accident will see one taxi

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ur fren still stopped in time, meaning he kept a "safe distance", the taxi driver apparently didnt..... the 3rd car shld be liable for 2nd car hit and not blame the 1st car...

the smelly company naturally try to shift blame...

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if claimed first party and later workshop managed to recover from 3rd party FULLY, which means my liability is 0% and my NCD should not be affected?

 

Anyone who make 3rd party recovery before can advise?

 

thanks!

 

mine was direct 3rd party claim so as not to affect my NCD. Mine was due a week to renew and from what i understand is, to make first party claim, ur NCD is affected.

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Turbocharged

he did mention the truck swerve into his lane but he stopped in time...so being honest doesn't pay?

 

its true.

i also learnt the hard way. being truthful will only hurts yrself.

just say words that protect yrself instead of giving a chance for the opposition to twist their words.

especially, taxi company. they are suckkers

Edited by Mcf777
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its true.

i also learnt the hard way. being truthful will only hurts yrself.

just say words that protect yrself instead of giving a chance for the opposition to twist their words.

especially, taxi company. they are suckkers

 

No wonder nice guys finish last and always poorer like in the other thread

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Neutral Newbie

Hello Sabbie, sorry to borrow your place because I can not make new post as new forumer. [rolleyes]

 

 

 

Dear fellow guys, here I need some advice from you regarding 3rd party claim.

 

Some day before Christmas, my car was hit by a motorcycle from behind when I was waiting for the traffic light. I recorded relevant details and filed to accident report center assigned by NTUC Income. My rear bumper, boot cover and boot lock were damaged, repairing cost was estimated around 2k.

 

After 10 days waiting, I checked status with both report center and NTUC Income, to my shock, both said they could not do anything because the motorcyclist did not respond. Further investigation showed the faulty cyclist was covered by same insurer. NTUC claimed only thing it can do is to send reminder to the cyclist, if still no response, I have to settle the issue personally with him because this guy did not report accident.

 

To me it is quite absurd, firstly, whoever report the accident, NTUC knew all the details, especially both parties under its policy. Secondly, if people maliciously escape responsibility, NTUC should play right role rather than throw back the problem to its client since we pay a descent premium annually.

 

I tried to contact the cyclist, he made it very clear he doesn

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If the damage is on the rear of your car only, just go to any workshop you trust. They will assess the damage and settle all the relevant paper work to claim 3rd party for you. This is the easiest type of claim and they love to do it. The other party is given a few days grace to respond with their own insurance adjuster once a claim has been filed. If nothing happens, the claim is processed through without contest from the other party. You do not need to call the guy who hit you at all.

 

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When it's time for insurance renewal, you know which company to avoid.

 

Hello Sabbie, sorry to borrow your place because I can not make new post as new forumer. [rolleyes]

 

 

 

Dear fellow guys, here I need some advice from you regarding 3rd party claim.

 

Some day before Christmas, my car was hit by a motorcycle from behind when I was waiting for the traffic light. I recorded relevant details and filed to accident report center assigned by NTUC Income. My rear bumper, boot cover and boot lock were damaged, repairing cost was estimated around 2k.

 

After 10 days waiting, I checked status with both report center and NTUC Income, to my shock, both said they could not do anything because the motorcyclist did not respond. Further investigation showed the faulty cyclist was covered by same insurer. NTUC claimed only thing it can do is to send reminder to the cyclist, if still no response, I have to settle the issue personally with him because this guy did not report accident.

 

To me it is quite absurd, firstly, whoever report the accident, NTUC knew all the details, especially both parties under its policy. Secondly, if people maliciously escape responsibility, NTUC should play right role rather than throw back the problem to its client since we pay a descent premium annually.

 

I tried to contact the cyclist, he made it very clear he doesn

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An insurance company will not entertain any third-party claim on damages if its insured never reports the accident to them, on the other hand, it will punish the insured for not reporting accident to them.

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Just curious, if car gets rear ended, wouldn't it be easier to send back to AD and then inform insurance and let insurance settle the issue. Of course when on site, note down particulars and take photos of involved vehicles.

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It will be a simple case if the other party reports the accident. If he/she does not report the accident , then the insurance will disclaim any liability and the workshop will either ask you to pay for the repair first and then they will try to recover the costs from the other party insurance company ( they will fail), or they will ask you to claim from your own insurance company, and you will need to pay the "excess", and you NCD will be affected.

 

Taking photos and noting down the particulars of the driver will not stop the insurance company from disclaiming liability as long as the driver involved does not report the accident to them.

 

 

Edited by Tripleh
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Supercharged

It will be a simple case if the other party reports the accident. If he/she does not report the accident , then the insurance will disclaim any liability and the workshop will either ask you to pay for the repair first and then they will try to recover the costs from the other party insurance company ( they will fail), or they will ask you to claim from your own insurance company, and you will need to pay the "excess", and you NCD will be affected.

 

Taking photos and noting down the particulars of the driver will not stop the insurance company from disclaiming liability as long as the driver involved does not report the accident to them.

 

One way to force the other driver to report the accident is to declare you have injury and u call police and ambulance. The other driver LL has to make police statement. Be more street smart......

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I was rear ended by a car last year. settle cleanly by my insurance auth ws.

 

I have front DVR clearly showing my safe and simple driving style while slowing down on highway exit. WS staff told me it is of no use unless I have rear DVR clearly showing the car no. and accident.

 

Now I have also install a rear DVR.

 

I have set up a FB account Road Hunter. trying to gather as many road accident video from fellow car DVR on youtube. Hopefully it can help driver to claim the insurance and fraudulant claim. Thus reduce insurance premium for our future children.

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