Help! Last car in chain accident, but insurance void!

[Darryn]

One thing that I would love to see would be a comprehensive list of approved repair prices -

 

All of the insurance companies should co-operate on this.

 

For example - a bumper replacement should be $XX and take YY days.

 

If your repair cost is below this - you have free reign to choose - if it is above, tough titty, you bear the difference yourself.

[Takumi21]

Direct Asia covers only drivers above 25yo and with >2yrs driving experience for the main driver. If you don't satisfy either one of those requirement, you can only be put under named driver (and pay additional premium)

 

I'm under Direct Asia too, and my gf can't drive my car because she is <25yo..

 

 

lucky you... got a young gf!

[Hensony]

How long have you been with Direct Asia? Would you renew your insurance with them?

 

The last time I sought quotations, DA's was the lowest. But I was not comfortable with them, as they were relatively new at that time.

 

 

i am with directasia,

 

i remember when i toke up their policy for the first time last year, after all the online entry, a directasia staff did call me on my hp to confirm my policy and to answer any queries i had.

 

sorry TS, you could have told them there and then that you have less than 2 years experience.

 

[Shull]

lucky you... got a young gf!

 

I am not very much older than her also..

[S2077s]

Let me offer a worst case scenario solution...ok not really a solution.

 

If insurance firm die die dun pay..... den jus dun pay the workshop loh.

Cos i think all the other 2 cars' insurer will claim your insurance. B

ut your insurance say void. So means all the incurred costs as stated by the workshops will come to you.

And the other 2 car's insurance probably wont even be bothered with all these any longer cos it is "NOT" their customer cars' fault, so they have nothing more to do with the case.

 

It will end up the 2 reparing workshops coming after you directly.

 

The last time i heard something like that happen to someone, the case took 10 years to settle. In the end the unlucky driver paid about 80% of the original claim amount in an out of court settlement. But at lease it became a 10 year delayed payment. So wont bankrupt you... at least not immediately.

[Crusader75]

Don't bother with the 1st car, the first car should claim 2nd car's insurance.

[Ben5266]

One thing that I would love to see would be a comprehensive list of approved repair prices -

 

All of the insurance companies should co-operate on this.

 

For example - a bumper replacement should be $XX and take YY days.

 

If your repair cost is below this - you have free reign to choose - if it is above, tough titty, you bear the difference yourself.

I wish you don't have to see the comprehensive repair list, now and in the future.

 

... But I saw 1. Yes, it is comprehensive with all item changed listed and the labour for each item repaired.

 

For TS, the loss of use for Latio is only $60 per day. They claim $120 for Lancer. A good guage of how much they might have ballon the bill.

[Kiario]

How long have you been with Direct Asia? Would you renew your insurance with them?

 

The last time I sought quotations, DA's was the lowest. But I was not comfortable with them, as they were relatively new at that time.

 

1 year bro, and yes, just renew with them for the coming year as mine expiring soon.

 

as for claim process, touch wood, never claim yet so i can't comment but quotes are definitely the lowest that I can find so far.

[Sabbie]

First of all it is stated big big on first page of da that you need to fulfil the criteria of mim 2 years, so you have no case unless you can't read, and last car in chain accident most likely have to pay, so my advice is you is just pay up and close the case although I am utterly disgusted with auto insurance in sg too

[Maka]

First of all it is stated big big on first page of da that you need to fulfil the criteria of mim 2 years, so you have no case unless you can't read, and last car in chain accident most likely have to pay, so my advice is you is just pay up and close the case although I am utterly disgusted with auto insurance in sg too

 

He is just trying to pull a fast one la. I doubt DA officers are that gullible to accept whatever is listed without ground findings and yet issue a underwriting, that like using its feet to hit its own face.

 

TS don't seems to be driving an insured car.

[Kiadaw]

I don't think the last car covers all the claims of the 3 cars.. The 1st car usually will claim from the 2nd car and the 2nd car from the last..

 

Anyway, it's not possible that the insurer do not ask about the date prior to commencement of the coverage.. This information is one of the vital information to determine the amount of premium and excess for all insurers..

 

If it is Direct Asia (which TS has not clarified whether it is yet), it is stated clearly on the first page you go to when you click motor insurance that

 

"You may qualify for DirectAsia.com car insurance if:

The main driver has at least 2 years' driving experience and is aged between 25 and 65."

 

So no excuse that you have no way to key in your driving license..

 

If it is clearly stated, then there is in fact not needed for the TS to fill up the years of driving experience. It would be nice if DA to have a column to fill years of experience/date of licence, but not a necessity. Can only blame TS for not looking careful before signing the insurance.

[Moredhel]

First off, chain collision: 1st car claim from 2nd car, 2nd car claim from 3rd car and so on and so forth. This is to prevent lengthy disputes and court cases. Stated in BOLA.

 

Don't run away from the incident. This would put you in a very bad light should this come to a court case.

 

Assuming that there is no way you can get DA to honour the claims,

 

My suggestion is to pay off the swift repairs and dispute the lancer repairs quantum and payee of repairs.

 

Likely car 1 and car 2 would collaborate and push all the blame to you should there be a court case. Witnesses are very important here.

 

If no witnesses, drag the case and fall back to BOLA rulings. You will have to work out if engaging a lawyer would make more financial sense than paying them off.

 

 

Otherwise, you would have to find how you can pull DA to take responsibility for this case. If they approved the repairs, like another bro mentioned, this is a point to note that you can use to drag them right back in. (Their signatory approval and company chop on the repairs approval letter from workshop would work wonders).

 

 

Lastly, a car camera is cheap and utterly essential in SG roads nowadays.

 

Oh, any if you are driving without insurance, serve you right.

[Kiadaw]

First of all it is stated big big on first page of da that you need to fulfil the criteria of mim 2 years, so you have no case unless you can't read, and last car in chain accident most likely have to pay, so my advice is you is just pay up and close the case although I am utterly disgusted with auto insurance in sg too

I took the liberty to look at the Diract Asia website.

 

For those lazy, this is the link: Get a quote: Direct Asia

 

Its not like its written in fine print, hidden in one corner. No case with Insurance company at all.

 

TS will have to settle with the other drivers himself.

 

[Sabbie]

I took the liberty to look at the Diract Asia website.

 

For those lazy, this is the link: Get a quote: Direct Asia

 

Its not like its written in fine print, hidden in one corner. No case with Insurance company at all.

 

TS will have to settle with the other drivers himself.

 

Yeah my point exactly, I took up a policy with DA before, and the very first page is written big big the pre-requisites, they only do standard vehicles and standard drivers, and I suppose they will take what you declare as accurate and issue a Certificate of Insurance base on your declaration, do they have an onus to verify before issuing the CI, I don't know....but obviously TS is a dic head to try and bluff his way though....

[Blackyv]

just curious, if its a chain, how come the swift rear door dented and not rear bumper?... ts is filtering?... if fitlering, can argue that swift hit lancer is not ts problem?..

[Darryn]

If it is clearly stated, then there is in fact not needed for the TS to fill up the years of driving experience. It would be nice if DA to have a column to fill years of experience/date of licence, but not a necessity. Can only blame TS for not looking careful before signing the insurance.

 

The first two screens I went through both explained that must have at least TWO years driving experience.

 

 

[Acemundo]

The first two screens I went through both explained that must have at least TWO years driving experience.

to say a word of fairness, i don't really think highly of such biz whereby they collect the premium on the onus of the procuror's declaration. if nothing untoward happens, they keep the premium. if something untoward happens they reserve the right not to pay anything if any of the declaration is not filled in truthfully or correctly.

 

sometimes the declarer may have simply misunderstood the question - say if website requirement is 2 years of driving experience, different people may interpret it to be

 

1) 2 years after getting driving licence; or

2) 2 years of owning a car and driving it; or

3) 2 years of driving any person's car; or

4) have driven for 730 days

 

so in some case, it may not be a case of lying. in any case, businesses should also do their bit to verify the facts contained in the application form and supporting documents.

Edited October 17, 2011 by Acemundo

[Ben5266]

to say a word of fairness, i don't really think highly of such biz whereby they collect the premium on the onus of the procuror's declaration. if nothing untoward happens, they keep the premium. if something untoward happens they reserve the right not to pay anything if any of the declaration is not filled in truthfully or correctly.

 

sometimes the declarer may have simply misunderstood the question - say if website requirement is 2 years of driving experience, different people may interpret it to be

 

1) 2 years after getting driving licence; or

2) 2 years of owning a car and driving it; or

3) 2 years of driving any person's car; or

4) have driven for 730 days

 

so in some case, it may not be a case of lying. in any case, businesses should also do their bit to verify the facts contained in the application form and supporting documents.

Agreed. Collect money time close one eye.

Pay money time put under microscope.

This is Insurance.